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For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, etc.). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

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More Than 70 Percent of Metro Markets Showing Signs of Improvement – Laredo, Texas; and Philadelphia. vice chairman of First American Title Insurance Company. The IMI is designed to track housing markets throughout the country that are showing signs of improving.

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