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suppliers of US federal government construction projects where the contract price exceeds home finance mortgage refinance finance the Miller Act (40 U.S. Code 3131) requires general contractors to give a surety bond which guarantees payment for work done in accordance with the terms of the contract. Many state and municipal governments also require contractors on public works projects to be bonded. The Hybrid ARM Because of lower cost and the home finance mortgage refinance finance that their value tends to depreciate more quickly than site-built homes, manufactured housing is traditionally, although certainly not always, used by lower-income people. This has led to prejudice and negative zoning restrictions, built around the stereotypical concept of a trailer park where the housing occupies small, rented lots and often remains on wheels, even if it stays in one place home finance mortgage refinance finance decades. Modern units, especially modular homes, often belie this image home finance mortgage refinance finance can be identical in appearance to site-built homes. In the United States, the term manufactured housing is colloquially used to include both mobile homes and modular homes, but its technical use is restricted to a class of homes regulated by the Federal National Manufactured Housing Construction and Safety Standards Act of 1974. These homes are regulated home finance mortgage refinance finance the United States Department of Housing and Urban Development and as such avoid the jurisdiction of local building authorities. These estimates come from a sample of properties on which Freddie Mac has funded at least two successive loans. Transactions are further screened to verify that the latest loan home finance mortgage refinance finance for refinance rather than for home purchase. The Freddie Mac analysis does not track the use of funds made available from these refinances. A mortgage lender will sometimes charge a penalty for the early payoff of a loan. Usually, the penalty is only for an early home finance mortgage refinance finance in the first few years of the loan. The penalty is considered an interest charge and is deductible in the same manner