Sen. Sam Brownback, R-Kan. speaks in Washington on Finance Reform.
Since 1974 one set of documents has remained relatively unchanged. These documents are a federal requirement to every conventional and government home mortgage issued on primary residences in the United States. Before these documents, it is claimed, bankers were able to charge unlimited fees, unlimited interest rates and it was difficult for home owners and buyers to shop mortgages.
via examiner.com
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