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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 free government loan against you. Loan modification. These programs basically lower the rate on your existing loan without changing the length of the loan. Loan modifications aren’t available to most borrowers, since their loans have already free government loan sold on the secondary market and can’t be changed. But it never hurts to ask your current lender if such a program is available. Streamlining. Some free government loan offer a quick refinancing for current customers. You typically pay a slightly higher rate for the convenience and speed. Reduced paperwork. Most so-called “low-doc” or “no-doc” loans charge you a higher interest rate in exchange for requiring less documentation. Some lenders, free government loan have fast-track programs that eliminate some steps -- such as income and asset verification -- for customers with excellent credit. This speeds up the process without resulting


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