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If a guarantor, a non-borrowing spouse, or anyone signing without directly benefiting from the funds is part of your mortgage, there's a legal step that gets triggered more often than people expect. A lot of clients are surprised to learn it's not optional once a lender flags it — and it can hold up closing if it's not booked early. In this episode, I break down exactly when it applies, what the appointment actually looks like, and how much it costs. 


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