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and electronic signature capabilities to create an infrastructure for fully electronic, or paperless, mortgages. The eMortgage infrastructure is built around the concept of a SMART Document and the SMART DOC Implementation Guide. Securitization is a momentous change in the way that mortgage home improvement loan arizona markets function which has grown rapidly in the last 10 years as a result of the wider dissemination of technology in the mortgage lending world. For borrowers with superior credit, government loans home improvement loan arizona ideal profiles, this securitization keeps rates almost artificially low, since the pools of funds used to create new loans can be refreshed more quickly than in years home improvement loan arizona allowing for more rapid outflow of capital from investors to borrowers without as many personal business ties as the past. For example, in a refinance, if the new mortgage term is for 30 years and you paid $3,000 in points, you would claim an annual deduction of $100 for the points paid. If you refinance, sell or pay off the mortgage early, you can deduct the remainder of the points in that year. The one exception to the deduction would be if you refinance home improvement loan arizona the existing lender. In this
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