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To decide what combination of rate and points is best for you, balance the amount you can pay up front with the amount you can pay monthly You might consider a 15-year, fixed-rate mortgage. Payments are higher, but you pay substantially less interest over the life of the loan and build equity more quickly.
You do not have to refinance your mortgage with the same lender that provided your original loan. However, to keep your business, some lenders may offer cust
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