M&T Bank : Mortgage Frequently Asked Questions
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Mortgage Frequently Asked Questions

  1. What are discount points?
  2. What is Private Mortgage Insurance (PMI)?
  3. What is Owner's Title Insurance?
  4. What is the Truth-in-Lending Disclosure (TIL)?
  5. What is the Annual Percentage Rate (APR)?
  6. Will I receive a copy of my home appraisal?
  7. What happens if mortgage rates increase or decrease after I lock in a rate?
  8. What is a loan-to-value (LTV) ratio?
  9. What is a debt-to-income (DTI) ratio?
  10. What is an escrow account?
  11. What is a mortgage prequalification?
  12. Why is my credit history important?
  13. What should I expect during the mortgage process?

All lending products are subject to credit and property approval. This is not a commitment to make a mortgage loan. 

NMLS #381076

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