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Posts: 8,388
Registered: ‎09-28-2007
Re: Have a question about Refi--rate vs. APR

The APR on the TIL reflects all of the pre-paid finance charges (PFC) that are charged to you at closing - pre-paid interest, origination/discount fees, most lender fees, escrow settlement fee, etc. are all items that are included in the APR calculation.


You'll find a lot of good reading on it at as well.