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Given a regular 30-year mortgage where the borrower has to pay closing costs to the lender as well as to other third parties, what can

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Given a regular 30-year mortgage where the borrower has to pay closing costs to the lender as well as to other third parties, what can we say about the relationship between effective borrowing cost (EBC), the contract interest rate (I), and lender's yield (LY)? OLY

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