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safety|safety measures}, {lender|loan provider|loan company|financial institution|bank|mortgage lender} {may|might|may possibly|may well|could|may perhaps} {charge|cost|demand|fee|impose|ask for} {higher|greater|increased|larger|better|bigger} {interest rate|rate of interest|interest|monthly interest|rate|apr} {as a token|as a sign|as a symbol|as an expression} {to reduce|to lessen|to cut back|to relieve|to scale back|to lower} {risk|danger|threat|chance|possibility|probability}. 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