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    ears the economy may change and the interest r
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    When you purchased your home, you committed to a home loan in the form of a mortgage. Your mortgage may be a fixed or variable interest rate. This is called a first mortgage. Over the years the economy may change and the interest ra
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    ortgage may be a fixed or variable interest rate. This is called a first mortgage. Over the years the economy may change and the interest r
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    ears the economy may change and the interest rates may be lower than the rate you have. At this point, you may wish to refinance your home. There are costs associated with your refinance, including closing costs and some government-

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