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a borrower's guide to the mortgage application a mortgage application serves a simple purpose: to help the lender decide whether to lend money to the borrower. but the industry standard uniform residential loan application, also known as fannie mae ... us 30-year mortgage rate falls to record 3.78 pct. the average u.s. rate for the 30-year fixed mortgage fell to a record low for a fourth straight week. cheap mortgages have helped boost home sales modestly this year. mortgage arrears how the banks respond mortgage rates fall to new records mortgage rates for 30-year loan now stand at 3.78 percent. fixed mortgage rates for 15-year loans are unchanged at 3.04 percent, a record low.

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