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    Home Equity. The final step of purchasing your home is the closing, where you sign the documents and get the keys to your new home. Your Home Lending Advisor can answer any questions or help you understand your Closing Disclosure, so you can plan ahead for your closing costs.

    A mortgage broker works on your behalf to find mortgage lenders with competitive rates. The competitiveness – and home prices – in your local market will have a hand in dictating what brokers charge. Ask your agent for the names of a few brokers that he or she has worked with and trusts.

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