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are known as covenants. In the United States of America, a pardon of the President was at one time home equity loan lowest rate to be a deed and thus needed to be accepted by the recipient. This made it impossible to grant a pardon posthumously. However, in home equity loan lowest rate case of Henry Ossian Flipper, this view was altered when President Bill Clinton pardoned him in 1999. In some jurisdictions, a deed of trust is used as an equivalent to a mortgage.