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Shall not make any mortgage that's of a lower investment grade if the borrower’s credit score score or comparable underwriting information, signifies that the borrower might qualify for a residential mortgage loan that's of a better investment grade. Shall not arrange for a residential mortgage loan without verifying the borrower’s cheap ability to repay. Shall not make any mortgage with the intent that the mortgage won't be repaid and that the residential mortgage broker will acquire title to the property via foreclosure. Shall not interact in churning. "Churning" means knowingly or deliberately making, providing or arranging for a residential mortgage loan when the brand new residential mortgage loan does not provide an inexpensive, mortgage lenders texas tangible internet benefit to the borrower considering all the circumstances, including the phrases of each the brand new and refinanced loans, the cost of the brand new mortgage and the borrower’s circumstances. 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