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Early on a Sunday I learned the pre-approval letter had caveats, my broker pointed out documents the bank had not requested until closing time.
After a friend in Newmarket used a broker, I learned their service was paid by lenders, which shifted my thinking about renewal shopping.
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After the renewal offer sat for two weeks, I finally compared it to broker quotes and noticed how much small rate differences compound.
After comparing quotes at the kitchen table, I learned that HELOC interest and a refinance's rate show up very differently on monthly statements.
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