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      Also make sure there are no penalities for early payoff…that happened

      to one of our friends and they were hit for almost 3000.00.


      On 12/13/2007, “Vickie” <> wrote:

      >Just remember when you refinance your mortgage you have to pay closing cost

      too. Making an extra payment per year will cut the number of years almost in

      half. Even paying alittle extra each month helps, making a payment every 2 weeks

      instead of once a month will help since the interest is calculated monthly on

      the balance of the loan.


      >Katie <> wrote: Hi, I was just wondering if

      anyone had any advise about mortgages….

      >how to pay them down quicker on a very tight budget? How often should

      >you refinance and when you do should you go for a shorter term? I am

      >just frustrated with my whole lack of budget and need lots of help!



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