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Agree with all responses below, I will add that if you are willing to put out more money at closing you could get into a conventional loan product to make up for the lack of equity. If the property value and payoff are even then I would recommend doing the research on comps in your area based on recent sales in the last 6 months and worse case scenerio, choose a lender , lock in and have an appraisal done. Worse case scenerio you will be out a few hundered dollars to find out where you and your property stand as far as refinance options if you choose to not move forward at that time after the appraisal is completed.Good luck!
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