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All advertised fixed and adjustable mortgage rates are based on loans with the following criteria: $200,000 loan amount 80% ltv (or a 20% downpayment) 0-2 points Borrower with excellent credit (740+).

For example, if you borrow a mortgage for your house, your mortgage is a "secured" loan in which your home is the collateral. If you default on your mortgage, your lender will then own your home. The.