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This new signal contributes consumer defenses having appraisals certainly signed-stop highest-charged mortgages (HPMLs), as well as requiring financial institutions to add specific disclosures and you may a totally free backup of one's assessment to help you borrowers. (Financial institutions may charge borrowers a fee to execute an appraisal but don't charge you to have providing a duplicate.) The newest signal in addition to need 2nd appraisals to have flips in a number of points. Exempt transactions tend to be qualified mortgage loans.

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