"Yolanda Cruz knew soon after she refinanced her home two and a half years ago she had a problem.
She thought the $1,478 monthly payment quoted by her mortgage broker included taxes and insurance. In fact, Cruz says she asked the broker repeatedly if those costs were included and was reassured they were.
'We just took his word for it, and unfortunately that's not what it was,' Cruz said."
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More troubled borrowers getting left behind
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