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What do APR, points, LTV and reserves mean?

APR: An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
Discount points: An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
LTV: Loan-to-value: the loan amount relative to the property's value.
Reserves: Assets the lender may require you to retain after closing. Requirements differ by program.

CFPB: understand your Loan Estimate