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First check to see if Fannie Mae or Freddie Mac own your loan. Google Fannie Mae loan look up and Freddie Mac and enter your info. It will tell you right away if any of these agencies own your loan.If so, you may qualify for the 125% HARP refinance program. You can check to see if the bank or servicing company (company you are paying every month) you are currently with offers this program. If not, I have some sources that will go to 125%.
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For Sale: $495,000
For Sale: $625,000
For Sale: $725,000