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These rates and programs are based on the following base assumptions: a loan amount of $200,000, CLTV of 80%, and a credit score of 740 in the 48150 zip code. Your actual rate, payment, and financing costs may be higher. In addition, there may be additional third-party fees, such as lender underwriting appraisal, credit reporting, title services, and government recording, etc, that may be applied at or before closing. Always get an official loan estimate before choosing your loan.