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contract. Commercial lenders include commercial banks, mutual companies, private lending institutions, hard money lenders and other financial groups. These lenders typically have widely varying standards on which they base their loan criteria and evaluate direct subsidized loan borrowers. The commercial loan industry is most often accessed through brokers, who provide an evaluation of a borrower and then recommend the loan to a number of different commercial lenders whom they feel will be most likely to fund the borrower's request. An owner-occupier is a person who lives direct subsidized loan a house that he or she owns. Owner-occupancy is therefore also called home
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