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This is simply amazing. Offers first independent mortgage with a product or service that delivers second home mortgage and calculate mortgage payment. They call a few lenders and ask what the rate and points are. That's it! They have no clue what questions to ask about "points", fees, interest rate "lock-in" periods, closing costs, "pre-paids", and more Offers first independent mortgage with a product or service that delivers second home mortgage and calculate mortgage payment. You will want to find out more information.