
| risk (such as by refinancing from a gmac mortgage career to a fixed-rate loan), and/or to liquidate some or all of the equity that has accumulated in real property during the tenure of ownership. It is advisable to speak with a financial professional, familiar with your existing gmac mortgage career loan, before deciding to refinance. Certain types of loans contain penalty clauses that are triggered by an early payment of the loan, either in its entirety or a specified portion. Also, some refinanced loans, while having lower initial payments, may result in larger gmac mortgage career interest costs over the life of the loan, or expose the borrower to greater risks than the existing loan. Calculating the up-front, ongoing, and potentially |

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