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The following discussion primarily focusses on the impacts for lenders whose current operations would be most affected by the proposed rule, since both the benefits and costs to those lenders would likely be more substantial than for lenders whose practices are already more in line with the proposed rule.
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As youre doing with this PC, just do your homework on the hardware in question and you should be fine.
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In short, if you can show that you have 12 months of housing payments "saved up", HARP will treat those reserves as "income".
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