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The Bureau's proposal would permit lenders to overcome the presumption of unaffordability for multiple successive refinancings.
Note that it is our view that without a revision to the rule, it would be prudent for creditors to view the rule as requiring that when the prior Loan Estimate was issued when the rate was floating and the rate is then locked, the creditor must issue the revised Loan Estimate when the rate is locked (even if the lock occurs before a written confirmation or agreement is sent).
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Note that your original direct debit will still continue and you will be asked to set up a second payment in addition to it.
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