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Regardless, lenders should know that there is an active market, and it makes sense to pay attention to who is doing what in this environment of tight margins and declining volumes.

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The process described in this package generally applies to most loans and will be followed unless otherwise directed by the Investor of your loan or an exception is otherwise considered.

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New home buyers may have a slight advantage over purchasers of resales, says Sharga, because a lender directly or even indirectly affiliated with a builder may have a little more latitude on credit.

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