Mortgage fundamentals (note + mortgage; lien theory; judicial foreclosure in FL); amortization; LTV; PMI; points; loan types (fixed, ARM, FHA, VA, conventional, balloon, reverse); RESPA (Loan Estimate within 3 days of application; Closing Disclosure 3 days before closing; no kickbacks); TILA (APR disclosure; right of rescission on refis); ECOA; Florida mortgage doc stamps ($0.35/$100); Florida intangible tax (loan × 0.002); proration of taxes, rent, HOA at closing.

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