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If the lifetime maximum rate or the periodic maximum adjustment applicable to a Loan prevents its mortgage interest rate from adjusting at any adjustment date to the full extent of the Index plus the Gross Margin applicable to that loan, the Pass-Through Rate for the loan may be less than the Index plus the Net Margin. We will also reevaluate an application if a family's circumstances change mid-year. To commence the unlawful detainer action, the landlord files a verified complaint against the tenant in court and has someone serve the tenant with a summons.

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