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The people I’ve asked offline are split, so I’d appreciate a second opinion on a mortgage quote for a property near Phoenix. The purchase price is around $745,000, and I’ve been quoted 5.69% fixed for 30 years. The advertised rate was lower, but once arrangement fees and the loan-to-value tier...

The workable process emerging here is: confirm the household being assessed, apply one affordability threshold at the actual market rent, verify rental facts with standard questions, distinguish missing from adverse information, invite clarification of conflicts, and document the decision. Then...