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I have no clue. It's someone the mortgage companies deal with and stuff for situations like this. Personally, I think it's just one more way of hitting up the homeowner for some more money during your excavating of getting a, what do you call it, a refi type thing. But in the long run, it's going to save me probably between $1,200 and $1,500 a month. I could start stashing away for a rainy day, which is just around the corner. W7 BMG.

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