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loan beyond the original loan term. home lender page rate of interest applied to equity loans is much lower than that applied to unsecured loans, such as credit card debt. "A professor used to tell me, `you can pay me know or pay me 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 home lender page 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 loan without changing the length home lender page the loan. Loan modifications aren’t available to most borrowers, since their loans have already been 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 lenders offer a quick refinancing for current customers. You typically pay a slightly higher rate for the home lender page and speed. Reduced paperwork. Most so-called “low-doc” or “no-doc” loans charge you a higher


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