| http://www.w3.org/ns/prov#value | - isrepresentation or omission of material fact made with intent to deceive.Duress, or unjustified pressure to sign a mortgage, particularly in a home improvement or solicitation setting or upon a refinancing.Unconscionability, when the mortgage terms are unreasonably favorable to the lender (must be proven procedurally and substantively).Unfair and unacceptable loan servicing, failure to follow HUD
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