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* Appraisal is usually received electronically, but a full appraisal may be required if an automated appraisal cannot be done.

** $30,000 for $153 a month example is based on: $30,000 x 6.125% APR. This is the monthly interest-only payment that would be required during the first ten years. An initial minimum draw of $30,000 is required as a result of closing this loan.