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Dear Sarah,

Your loan is legal, yes. Banks have freedom to give or deny a loan.

I honestly believe I had made it clear in my first line in my reply to you.

As I wrote, mortgage loans have...

Dear Madam,

Loans have been granted with EVEN self-certified mortgages as the only "evidence" of income in the past. I do not see why your loan is illegal.

The problem is a bank's and it's...