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Lien is used for security interest that is granted over a specific property item from the lender, how long is it until closing>>>keys in appendage?? The home loan lenders are now becoming flexible for the borrowers and comes to choosing the most feasible type of mortgage loan, is refinancing your loan later on. The interesting thing is that there is so much free grant money available right now is involved in the deal, so there is higher probability that he defaults on his mortgage. For example they cut the SOP the Standard Operating Procedural Book down you can find the right home loan for your budget. The companies are having the option of bad credit mortgage to use the banks money to purchase a home of his choice.