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I'm a believer in getting a good bang for your buck! The benefits will be plenty and you'll be building equity for the future. If you plan on staying in the property for awhile it makes sense to refi. Have you looked at the rates on a 15yr loan in the last few days? That may be an even better option for you . . .
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For Sale: $95,550
For Sale: $205,000
For Sale: $122,900