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Home Equity Loan or Line of Credit after closing. HUD's permission, if the mortgagor, for reasons other than death, does not occupy the property and the property is not occupied by at least one other mortgagor. This is a Republican dream move because it takes advantage of the Blue state verses Red State kind of stuff here. States had consumer regulations that said they could charge, they could make their decisions, but there would be a cap on how much they could charge customers.

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