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Your situation is common for Oklahoma. If your home + 5 acres will hold the value of what you owe on your mortgage, separate it from the other 10 acres. The home & 5 acres will be rated R1 and the other 10 rated A1, with separate deeds. If you need the $ instead of the land, sell or put the A1 10 up for collateral. However, 5% on $580k is really good. Will the refi justify a positive result after your typical refi cost?
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