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2. How does a bank that underwrites a mortgage for a homeowner get compensated for giving up the right to the homeowner to refinance their

2. How does a bank that underwrites a mortgage for a homeowner get compensated for giving up the right to the homeowner to refinance their 30-year fixed rate, monthly pay, mortgage on their primary residence at any time during the life of the mortgage? Be specific to where the bank gets compensated for giving up this option.

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