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What are the most commonly made mistakes in buying or refinancing a house? Should I refinance? Should I pay points? Does a 0 point/0 fee loan really exist? What is a FICO score? Why do interest rates change? What is the difference between pre-qualifying and pre-approval? What is a rate lock? Can my loan be sold? What happens if my lender goes out of business? What is PMI? Can I get rid of the PMI on my loan? What is an APR?