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therefore often take steps to encourage home ownership. The Cash-Out gmc lending services Report also revealed that properties refinanced during the third quarter of 2005 experienced a median house-price appreciation of 23 percent during the time since the original loan was made, unchanged from the second quarter 2005. For gmc lending services refinanced in the third quarter of 2005, the median age of the original loan was 2.6 years, one month older than the median age of loans refinanced during the second quarter. Manufactured housing (known in some countries,

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