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used to tell me, `you can pay me know or pay home low mortgage rate virginia later`," McMurry says. "If you`re talking to a credit card company, the payment later`s going to be a heck of a lot more, perhaps than you think it`s going to be." Experts agree you need to make sure the numbers work in your favor rather than stack up against you. Loan modification. These programs basically lower the rate on your existing home low mortgage rate virginia without changing the length