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This is something you’ll receive at the beginning of the loan process along with your welcome kit. And then once again at closing, when your final Home Loan numbers are available. Bank of America Home Loan Guide. Clarity Commitment®. A Home Loan is not just about getting the best deal—it’s about getting the right deal with no surprises.. At Bank of America Home Loans, we’re committed to responsible lending and helping you become a successful homeowner. That’s why we offer helpful resources like our Clarity Commitment® document —a simple, one-page loan summary written in plain language, so you can understand what you’re getting..