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Which of the following is NOT a factor in determining APR on an adjustable rate mortgage? Closing costs of the mortgage (points and other fees)

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Which of the following is NOT a factor in determining APR on an adjustable rate mortgage? Closing costs of the mortgage (points and other fees) How many years has the originator been in business The interest rate changes over the life of the mortgage How long the borrower stays in the house before he prepays the mortgage

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