| http://www.w3.org/ns/prov#value | - Lender-directed means that the lender first looks at the loan as a whole, including the proposed loan amount, sales price and appraised value, borrower credit history, and the income, assets, and liabilities that are indicated (still just ???stated??? at this point) on the loan application, plus the treasure-trove of other information that is on a loan application (where you work, how long you???v
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