Mortgage refinance sounds like a really good idea to a lot of people until they start looking at all of the costs associated with it. When you refinance your home you are looking at paying costs... to refinance you may have never even heard of pre-payment penalties, so why are you having to pay them... refinance or you end up coming into some money and you pay off the loan early, that they will get some money... refinance unaffordable for a lot of people. Before you start looking into the process too seriously you
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