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greetings every stars were at our second video in our refinance training we are at the owners affidavit and youre probably going to see this in every single refinance that you do or some version of this an owners affidavit is very simple it is a statement that says that they are the only persons with any interest in the property now this document is typically docHubd but if it does not come with a notary block you do not need to docHub it I have actually seen some lenders that do not have it docHubd this one is docHubd so we want to start to go over this in detail with you so that you make sure that you understand what youre doing so again when you place this on the table you can simply say this is your owners affidavit and this is stating that no one has any interest in the property other than yourself you do not need to Adam eyes out each one of these as youre going over it however if the center wants to read those they can some of the items that it goes over it says v