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What would the rate to Refi for 120k w/ FICO 766 and home valued @ $165k 30, 20, or 15 yr fixed?

Currently owe $104,500 at 30 yr fixed 5.75% and would like an additional 10k for improvements.
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January 12 2009 - Knoxville
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My apologies. Disregard please.

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January 12 2009
 
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