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Midnight spreadsheet session had a broker's comparison showing how different amortization assumptions change monthly payments, and I rechecked ours.
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After my parents accepted bank renewals without shopping, I booked a broker call and learned lenders pay broker fees, which I had never known.
One morning I compared bank renewal paperwork to a broker's offer and realized the stress test effect on our ability to refinance for renovations.
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Early morning I realized the stress test could affect our ability to borrow for renovations, which I had assumed was only a purchase-era rule.
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