From: joeu2004 
Newsgroups: misc.invest.financial-plan
Subject: Re: 1st time shopping for a Home Loan: What do I look for???
Date: Thu, 14 Jun 2007 11:04:40 -0500
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On Jun 14, 8:43 am, joeu2004 I wrote:
> The Truth in Lending law has a loophole:  as long as
> the lender explains that the rate may increase after
> consummation, they can advertise just about anything.

I should add:  that is another reason why I wrote:
"APR is not a good number to compare, despite its
intention for that purpose".