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Well, in Oregon the Division of Finance and Corporate Securities would lay the hammer down on a lender that disclosed a particular rate and fees on the Good Faith Estimate and came to the closing table with different numbers. If there is a change of circumstances the lender would need to notify you. Bait and switch tactics were rampant at one time, but new legislation now protects consumers more. If they violated regulations the state will penalize them, that is if they got caught or were reported. I hope that gives you a little more peace of mind. And regarding condos they can be challenging to lend on times as you need to get the project approved. The rate/fees will be slightly higher, but I wouldn't be focusing on that if it's a property you want to buy.
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