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The Bureau is aware that some lenders, as expressed during the SBREFA process, believe the proposed loan principal conditions would unduly restrict the types of longer-term loans that could be made under this conditional exemption.
If you never have owned a home or havent owned one in the past three years, you may qualify as a first-time homebuyer.
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"Borrowers perceive the loans to be a reasonable short-term choice but express surprise and frustration at how long it takes to pay them back," Pew reported last year.
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Mortgage companies that do not employ brokers have more rigid parameters for the interest rates offered and cannot access different lenders that may have more flexible guidelines.
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