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Monthly payment shown disclaimer: Your actual savings will vary. Monthly Payments do not include taxes and insurance. Your payment obligation will be higher. 

Refinance claim to reduce monthly payment and interest disclaimer: 

As a result of refinancing, your total finance charges may be higher over the life of the loan. 

Rate of interest shown disclaimer: 

The stated rate may change or not be available at the time of loan commitment. Lock-in is needed. Any closing cost worksheet or results showing example loan terms may have additional disclosure requirements.