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IMPROVED FORMULA? Joseph Baptista, president of Anchor Financial Mortgage Inc. in Pawtucket, says the Federal Housing Finance Agency’s plan to change the way risk-based fees are applied to home loans seems logical.
PBN PHOTO/­MICHAEL SALERNO

Changes in mortgage fee structure may shake up industry

Charging higher fees to a borrower who makes less money and has more debt has historically been the best way for mortgage lenders to...

Five Questions With: Joseph Baptista

Joseph Baptista, president of Anchor Financial Mortgage Inc. in Pawtucket, recently launched a new mortgage program aimed at first-time homebuyers and people working in...
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