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For one thing, closing costs are vastly more expensive in Florida. refinance to take advantage of lower interest rates. HARP loans have to be backed by Fannie Mae or Freddie Mac, but those entities.
No. The objective of a refinance under HARP ® is to help homeowners get into more stable or more affordable loans. Refinancing will not reduce the principal amount you owe to the first lien mortgage holder or any other debt you owe.
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