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One requirement of the program, said Mark Leyes of the California Department of Business Oversight, is that lenders help boost their customers' financial literacy.
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HARP does require verification of income, but some lenders may require it anyway.
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Pending paper items may include any transactions conducted over the bank teller line, or checks written off of your account that have been negotiated at another financial institution that will be deducted from your account balance after nightly processing is completed.
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With a regular loan, the lender looks at your credit history, the amount of debt that you have, and your income.
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