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refinance

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refinance

refinance Sentence Examples

  • To view our list of recommended home equity refinance lenders online, visit this page: Recommended Home Equity refinance lenders online, visit this page: Recommended Home Equity Refinance Lenders.

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  • Then you can refinance the mortgage at a later date with a better rate offer.

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  • Detailed information about the best possible home mortgage refinance loans that works for you.

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  • refinance the mortgage at a later date with a better rate offer.

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  • Get an online approval for: debt consolidation, home refinance, personal loans.

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  • refinance existing senior debt, primarily commercial paper.

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  • refinance by refinancing not only does club agency inc.

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  • Our team would like to go into details the possibility of getting a pre approval cyber hawaii refinance loans rate counseling.

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  • Do n't take the first online pay day refinance quick interest rate calculator you 're having.

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  • To view our list of recommended home equity refinance lenders online, visit this page: Recommended Home Equity Refinance Lenders.

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  • The proceeds will be used to refinance existing debt.

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  • Mortgage, Home Equity & Refinance Quotes Online Low cost mortgage, home equity, & refinance loans online.

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  • The proceeds of the issue have been used to refinance existing senior debt, primarily commercial paper.

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  • Those who have equity in their home may be able to refinance their home and use the equity to pay down debt.

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  • You may be able to refinance your existing mortgage and remove the equity from your home to pay off your debt.

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  • Homeowners can seek to refinance their homes through the FHA, thus lowering their monthly housing costs and making more money available to help pay off debt.

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  • If you're considering selling your home or you want to get an appraisal to refinance your mortgage, home staging is a method Realtors use to dress-up the appearance of your home.

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  • This may be a must-do project if you are thinking about reselling or even if you are considering a refinance of your existing mortgage.

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  • The third option is what's called a Cash-Out Refinance.

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  • In this instance, you can refinance your current mortgage to a new mortgage with a term of 15, 20, or 30 years.

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  • Many homeowners choose to shorten their mortgage length during a refinance to pay off their home faster.

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  • At the end of that amount of time (usually 5-7 years) people with interest only mortgage loans can refinance, pay the full amount they owe, or start paying off the principal balance.

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  • After five to seven years, if you can't refinance or pay the full amount, you will have to start paying down the principal along with the interest.

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  • When interest rates drop, the question of whether or not to refinance mortgage loans seems to be a clear "yes."

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  • Keep in mind that to refinance mortgage loans, upfront closing costs are always involved.

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  • Although homeowners may be itching to jump on the refinance bandwagon, they should consider that not everyone comes out ahead.

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  • Homeowners who plan to move within 3 to 5 years may not want to refinance mortgage loans.

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  • To find out if the trouble to refinance mortgage loans is worth it, a lot of calculations are involved.

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  • In this case, it may be a wise financial move to refinance your home.

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  • There are many questions that should be asked before deciding whether or not to refinance a mortgage, and the answers to those questions should determine whether or not "right now" is the best time to go through with it.

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  • People refinance their home mortgages for many various reasons.

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  • Adjustable rate mortgages also allow you to take advantage of falling interest rates without having to refinance.

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  • With a cash-out refinance, you refinance your first mortgage for more than you owe and get cash back at closing.

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  • If you need a significant amount of money to make home improvements, a cash-out refinance can help you.

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  • Others choose to refinance because they want to borrow from their equity and get cash back at closing.

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  • However, you must refinance at the right time, or those benefits could become hefty burdens.

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  • A refinance can also help you get rid of that unpredictable adjustable rate mortgage and into a lower fixed rate.

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  • You never know when a refinance may benefit you.

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  • If you don't have the money for closing costs, you can also find a no closing cost mortgage refinance, which generally has no fees associated with it.

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  • Some of the no closing cost refinance loans out there aren't completely free.

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  • Many homeowners choose to refinance their mortgage each year because of the financial benefits that this arrangement provides.

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  • You can either refinance with your current lender or you can find a new lender.

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  • The more equity you have, the safer it is (financially) to refinance.

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  • If your lender is not reputable, your refinance could be a costly mistake.

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  • Cash-out refinancing will allow you to receive cash back at closing when you refinance your home.

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  • If you are wondering whether or not a refinance can help you, the first thing you will want to do is research current rates.

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  • If you have a good relationship with your current mortgage broker/lender, you can ask them to keep you up-to-date on interest rate changes and new refinance programs.

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  • If you have a mortgage, you will want to keep a close eye on what refinance rates are doing.

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  • It doesn't matter if you need a new mortgage or a mortgage refinance, Wells Fargo Mortgage has a financing program designed to meet your needs.

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  • What happens to it after I refinance my home with another company?

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  • The government has responded to situations just like yours by offering programs like FHASecure, which allows people with adjustable rate mortgages to refinance into new FHA-insured loans.

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  • One other option you may want to consider is contacting your lender or other lenders to see if you qualify for a simple refinance into a fixed rate mortgage.

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  • Cautious financial experts would probably advise you to refinance right now into the lowest amortized term you can manage, such as a 15 or 10 year term.

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  • A refinance may or may not be the solution to your problem, but it depends upon several factors.

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  • Are there any type of grants out there for a home refinance?

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  • There are also refinance grants available for people wanting to refinance and take cash out in order to improve their homes or make them more energy efficient.

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  • Instead, this could be a great time to refinance a mortgage or work on some home improvements to make your home stand out when it's time to sell.

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  • Similar to all the information provided for applicants making a home purchase, National City Mortgage offers an abundance of resources for people who are trying to decide whether or not to refinance their existing mortgages.

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  • Whether you're a first time buyer, or planning to build, refinance or even renovate, Midland Mortgage's commitment to prompt, personal service follows through to a variety of affordable mortgage programs offering competitive rates.

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  • The Ohio Housing Finance Agency has various programs such as first time home buyer loans, loans for low-income households needing to refinance expensive loans, and programs to assist with down payments.

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  • Although you can always refinance remember that there are costs involved in most refinancing scenarios, so try to find a lender and payment plan that will work for your family long-term.

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  • Applying for a cash out refinance is quite simple when you use the Internet.

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  • Filling out and online application for a cash out refinance will be somewhat lengthy.

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  • Be sure to take the time to compare interest rates among reputable lenders and to also ask about any extra fees associated with a cash out refinance.

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  • Household Finance specializes in helping customers save money on mortgage interest rates with refinance and home equity options.

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  • Plenty of lenders are prepared to offer residents of Austin Texas mortgage refinance options.

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  • When you research Austin Texas mortgage refinance options available to you, you'll quickly discover that rates and fees differ from lender to lender.

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  • People refinance their homes or commercial mortgages for different reasons.

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  • Others may want to refinance to help with debt consolidation using a cash out transaction, and others may decide to go for a new lower rate if they plan to stay in their Austin home or commercial venture for a number of years.

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  • This local Austin company is ready to meet mortgage needs whether you plan to refinance, build, or buy an existing home.

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  • Whether you plan to refinance to lower your rate, your monthly payment, or take advantage of your home's equity, it's important to do your homework in order to make an informed choice.

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  • Along with that, you can visit the Austin Refinance Directory, or the title companies that offer Austin Texas mortgage refinance options.

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  • When you are planning to purchase or refinance your Oregon home it is in your best interest to investigate all your options before selecting a lender.

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  • A complete refinance is another option if you are not able to find a second mortgage for your manufactured home.

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  • A cash out refinance can often provide funds needed to consolidate bills into your mortgage payment.

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  • Payments are calculated as if the term is 30 years and borrowers usually have the right to refinance after 7 years.

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  • Many homeowners needing to refinance to avoid steeply increasing mortgage payments discovered that their homes no longer appraised high enough to qualify for a refinance.

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  • As people facing increasing ARM payments felt the consequences of being unable to refinance their homes, foreclosure rates began to climb drastically.

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  • One of the primary reasons that people seek to refinance their home loans is to capitalize on decreased interest rates during times of low interest rate trends.

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  • If you are waiting for an opportunity to secure the lowest possible rate on a refinance it is very important to pay attention to economic conditions impacting interest rates as well as keeping your eye on daily interest rate fluctuations.

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  • For example, individuals with adjustable rate mortgage (ARM) loans often seek fixed rate refinance options when mortgage rate trends indicate that rates will be up when it is time for the interest rate to adjust.

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  • This company has suitable products whether you are looking to purchase or refinance a home.

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  • Applications for purchase or refinance through Twin Cities Mortgage are available online or over the phone.

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  • This means that a mortgage starting out at 6% will still be 6% years down the road, as long as you don't refinance.

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  • With the new legislation a larger number of these homeowners may now refinance their mortgage through the FHA, as long as the reason for their default resulted from the adjustment of their ARM mortgages.

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  • Fixed rate refinance mortgages through Halifax are only fixed rate for a certain period of time and then become variable rates.

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  • Additionally, 3 and 5 year tracker rate mortgages are available to applicants who have mortgages through other lenders that they wish to refinance.

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  • This company offers mortgage loans to purchase these properties as well as to refinance existing investment mortgages.

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  • This is a good sign for people wanting to buy a home or refinance an existing mortgage.

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  • Mortgage Refinance: Borrowers can refinance their homes into a Washington Mutual first mortgage product, such as the fixed rate or adjustable rate mortgage.

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  • Obtaining a mortgage refinance in Ontario Canada can be a good way to get funds for many of life's unexpected surprises.

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  • Refinance at 100% of the value of your home, taking equity out for other needs like paying off high interest rate debt.

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  • This is why so many have chosen to refinance their loans whenever rates drop a percentage or more below their current rate.

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  • There are many lenders to choose from for your mortgage refinance in Ontario, Canada.

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  • Before making a final decision, take some time to review the refinance process and how long it takes.

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  • Another tool to take advantage of is the refinance calculator.

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  • A real property mobile home can be refinanced through cash-out refinance and rate and term refinance options.

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  • The cash-out refinance option comes in handy when you want to cut down on high interest rates that are charged on your existing loans or other debt.

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  • You can check with lenders such as the U.S. Bank and Financial Services Unlimited for favorable lending terms on cash-out refinance.

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  • You will probably only benefit from rate and term refinance option when you plan to occupy your mobile home for a considerable period of time -usually not less than three years- if there are closing costs involved with the refinance.

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  • If you are living in a manufactured home, refinance might be a good financial strategy for you to consider.

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  • Regardless of what the style of home is called, the decision of whether or not to refinance depends upon the homeowner's unique situation and financial needs.

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  • It allows the borrower to start fresh without obtaining a full refinance.

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  • The process of foreclosing on a home is a costly one for everyone involved, so in some cases it's financially better for the lender to work with the borrower and offer a modification or full refinance.

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  • A mortgage refinance, however, allows the borrower to keep the home.

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  • The main focus for these loans are homeowners who originally obtained adjustable rate mortgages (ARMs) and want to refinance into fixed rate mortgages because the monthly payments have escalated far beyond their financial capability.

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  • Current homeowners may want to know if it is a good idea to refinance now or to instead wait for interest rates to decrease.

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  • Due to falling home values, a homeowner may be unable to refinance their mortgage to a lower interest rate if they owe more than 80 percent of the current market value of the home.

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  • Some homeowners are able to make their monthly mortgage payments; however, they want to refinance their mortgage to a lower interest rate.

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  • Other families knew what their rising rates would do to their mortgage payment; however, they had planned to refinance their rising rate mortgage loans when the interest rates on new loans started to decrease.

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  • Typically, this would be a good time for homeowners with increasing interest rates to refinance.

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  • Many homeowners continued to make their monthly payments based on the high interest rates but were not able to refinance since they no longer held enough equity in their homes to refinance.

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  • This program included help for homeowners to modify their existing home loans and to refinance their mortgages into new, lower interest rate home loans.

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  • The program encourages homeowners, lenders, Fannie Mae and Freddie Mac to work together to modify or refinance existing home mortgages.

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  • The stimulus program allows homeowners to refinance their home if their first mortgage is up to 105 percent of the current value of the home.

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  • The Making Home Affordable program also includes programs to help homeowners refinance their high rate mortgage loans even if the value of their property has dropped, leaving them with limited equity in their property.

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  • It gives homeowners the ability to refinance their homes into more affordable loans.

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  • In some instances it is possible to refinance while house is in foreclosure.

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  • Whether or not you can refinance depends on several things.

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  • Speak to Your Lenders: Your current mortgage lender may be able to help you to refinance.

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  • Making Home Affordable Program: The federal government's plan, Making Home Affordable Program, allows those who need to refinance the help to do so.

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  • This program will help individuals to refinance even if their home value has fallen below what they owe on their mortgage.

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  • This program also allows individuals to refinance their current mortgage to stop foreclosure.

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  • Each of these options may allow you an opportunity to refinance while house is in foreclosure.

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  • Deciding to refinance a mortgage should include many considerations beyond the drop in interest rates.

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  • In order for a mortgage refinance to save you money, you need a significant drop in interest rates.

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  • If you plan on staying in the home for an extended period of time, a mortgage refinance at an opportune time can save you quite a bit of money in the long run.

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  • On the other hand, if you don't plan on staying in the home for more than a year or two, a refinance may cost you more money because of the closing costs that are involved.

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  • Whether this refinance option is open to you depends on several factors, but the main consideration lenders look at before approving a cash-out refinance is the amount of equity in your home.

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  • Look at the full financial picture before deciding to refinance a mortgage.

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  • Homeowners refinance their mortgage loans when it is possible to get a better deal or when they need to access some of their home's equity to get cash or consolidate debt.

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  • Like any other major financial obligation, a mortgage refinance should be approached with caution and only after extensive research has been done.

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  • Remember: You will wind up paying closing costs all over again with a mortgage refinance, so you want to make sure that it is worth your while.

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  • Do close accounts you consolidate with a refinance.

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  • If you consolidate debt with your mortgage refinance, make sure that you close the accounts you pay off with the proceeds from your cash-out refinance.

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  • If you don't take this crucial step you might be tempted to start using the accounts again and may wind up in more debt than before the refinance.

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  • Review every single document that is presented to you to sign for the refinance.

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  • Don't refinance if you are planning on moving soon.

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  • Keep in mind that just because a mortgage lender is willing to lend you a large amount of money for a cash-out refinance, it does not necessarily mean that doing so is in your best interest.

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  • Pay close attention to the mortgage refinance do's and don'ts before making a decision.

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  • How long should you wait to refinance after mortgage purchase?

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  • While you don't want to refinance too soon and wind up paying closing costs all over again, a big enough drop in interest rates can make the idea of a refinance very appealing indeed.

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  • It is also common for homeowners to refinance after mortgage purchase in order to consolidate debt or to obtain some cash, which is referred to as a cash out refinance.

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  • How long do you have to wait to refinance your home after you buy it?

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  • A small drop in interest rates does not justify a refinance.

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  • When applying for a mortgage refinance, be prepared to fill out all the applications again and to receive another home appraisal, just like when you first purchased the home.

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  • There are specific calculators created for refinances, balloon mortgage calculations, adjustable rate mortgages and a cash-out refinance.

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  • Most people refinance before the final balloon payment comes due.

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  • And, if you have already fallen behind on payments, it's likely that you won't even qualify for a refinance.

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  • Most people refinance before the balloon payment comes due; however, there may be unforeseen circumstances that prevent you from refinancing.

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  • In early 2009, President Barack Obama signed an initiative aimed to help five million borrowers refinance their homes if the mortgage is owned or guaranteed by Freddie Mac or Fannie Mae.

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  • A cash out refinance may enable you to refinance at a lower interest rate than you currently have, but not always.

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  • With a cash out refinance, you can use the money for just about anything.

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  • Too often, homeowners who enter into a cash out refinance use the money unwisely.

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  • While these types of refinance loans may be attractive to some people, it's wise to look at your finances and judge what you can afford first.

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  • Cash out refinance loans are usually granted when a homeowner has substantial equity in their home.

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  • When deciding whether to refinance your home, a free refinance calculator can be a valuable tool.

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  • A refinance is usually done when interest rates fall in order to take advantage of the new lower rate.

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  • To decide whether a refinance makes sense, you need to determine how much money you will save and whether these savings will outweigh the hassle of refinancing and potential costs such as closing costs or appraisals.

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  • Free refinance calculators available online can help you do that.

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  • Many websites offer free refinance rates and calculators that are easy to access and quite informative.

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  • Calculators4Mortgages.com is a comprehensive site that provides all the details necessary to do a refinance calculation.

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  • If you are considering refinancing and have an idea of what your home is worth, or the amount you need to borrow, you can use the free refinance calculator to determine whether the deal is right for you.

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  • It is also a comprehensive site that offers details regarding possible rates of refinance.

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  • In addition to refinance calculators, this website also offers information about the pros and cons of refinance and when you should opt for one, along with some tabs that allow you to do research.

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  • You can use their calculator and input your location and information to find projected refinance rates for your area, or put in the specific rate you have been offered if you already know the rate you will be charged.

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  • What is the when to refinance rule of thumb?

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  • A lower mortgage interest rate is just one of the factors -albeit a major factor- when trying to decide if a refinance is a good idea.

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  • Will the savings you receive from the refinance be enough to pay for all the closing costs you will have to pay?

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  • The rule of thumb most mortgage lenders advise with regards to refinancing to lower your interest rate is to refinance when interest rates have dropped at least two percentage points.

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  • This general rule of thumb allows most homeowners to justify the closing costs because they will realize a savings within a couple of years from the refinance into the lower interest rate.

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  • A mortgage refinance may not be appropriate if the homeowner wants to refinance as a result of financial hardship.

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  • Some homeowners refinance their mortgage loans in an attempt to obtain some cash from the equity of their homes.

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  • What is the rule of thumb in regards to obtaining a cash-out refinance?

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  • You use the cash from the refinance to pay off higher interest debt.

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  • A good rule of thumb to follow when obtaining a cash-out refinance is this: If the cash-out refinance will not somehow translate into savings for you, don't do it.

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  • Do some research and follow your own when to refinance rule of thumb.

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  • Are you a homeowner and need to know if you can refinance a property in foreclosure?

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  • Most lenders prefer to work with homeowners to refinance and stay in their homes if equity exists.

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  • Lenders have specific standards when it comes to whether or not they are able to refinance mobile homes on rented lots.

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  • You may be able to use your existing lender in order to streamline the process, but be aware that utilizing your existing lender does not guarantee a seamless refinance.

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  • The square footage of the mobile home is taken into consideration, as many lenders have a minimum square footage for a refinance.

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  • What are your options if your mobile home does not conform to the standards for a refinance?

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  • The specifics of the mobile home set on a rented lot are not the only requirements set forth by lenders when applicants look to refinance.

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  • Websites like LowerMyBills will accept your mobile home refinance application and send it to several lenders in an effort to find the lowest interest rate and best terms.

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  • The Federal Housing Administration (FHA) guarantees mobile home refinance loans, even if the mobile home is placed on a rented lot.

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  • Many homeowners today are looking for a low mortgage refinance rate in order to save their homes from foreclosure and to stretch their income.

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  • If you have kept your payments up to date, you may find it easiest to refinance through the lender on your current mortgage.

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  • However, it may save you money if you shop around for a low mortgage refinance rate.

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  • Make use of refinance savings calculators to see how much you can save on monthly payments and interest.

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  • Additionally, you may compare refinance mortgage loans, use the mortgage calculator to determine your approximate payments, and read a variety of information on mortgages.

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  • When homeowners find themselves facing a mortgage with higher interest rates than the national average, they may wonder, when is it worth it to refinance?

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  • Most homeowners want to refinance their mortgage into a lower interest rate.

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  • For example, if your mortgage is at 5.5 percent and the national average rate for new mortgage is down to five percent, you may be wondering whether you should refinance.

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  • However, the question of when is it worth it to refinance arises because when you refinance you have to pay closing costs, just as you did when you took out your first mortgage.

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  • In order to determine whether it is worth it to refinance, you must compare the amount you will spend in closing costs with the amount you save.

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  • If you plan to stay in the house for longer than it will take you to recoup the closing costs, then it is worth it to refinance because, once the closing costs are paid from your savings, you will continue to save money every month.

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  • If you want an accurate estimate of exactly how long it will take you to recoup your costs in order to determine precisely when is it worth it to refinance, you can use an online refinance calculator.

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  • A streamline refinance is an option offered for FHA-guaranteed mortgage loans that reduces the amount of documentation involved in the process of obtaining a lower interest rate.

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  • A streamline refinance through the FHA allows for the process to go faster and may result in lower closing costs than a full refinance.

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  • The streamline refinance must result in a lowere monthly mortgage payment.

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  • No cash-out is allowed with an FHA streamline refinance.

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  • The cash proceeds from the refinance can be used for anything the homeowner wants including debt consolidation, a major purchase or an investment.

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  • There may be additional lender fees associated with a Cash-Out FHA refinance.

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  • No Cash-Out: This is a simple refinance that does not involve any cash proceeds to the borrower.

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  • When your current lender is not an option, or your current lender is not offering attractive interest rates and terms for mobile home refinances, it is time to do some research to find the best refinance product available to you.

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  • Even with an FHA guarantee, you will still have to find a lender willing to accept your refinance application.

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  • For a longer list of lenders who specifically provide loans for the purchase or refinance of mobile homes within California, visit the official website for the California Manufactured Housing Institute.

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  • You can also refinance your mortgage into a shorter term, which may result in savings as well.

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  • Start your search for a mortgage refinance by checking with your existing mortgage lender to see if you qualify for a refinance.

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  • There is a fee to work with mortgage brokers, but homeowners may find that the fee is worth it because they may not otherwise be able to obtain an approval for the refinance.

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  • Homeowners who have the main concern of lowering their monthly mortgage payment may want to look into obtaining a mortgage modification or a streamline refinance, if available.

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  • These will allow for a lower interest rate but may not involve all of the closing costs usually associated with a full mortgage refinance.

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  • It may also be a good idea to wait a while to apply for a refinance.

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  • In the past, most people who wanted to buy a home or refinance their existing one would apply for funding directly through their bank.

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  • If you're in the process of refinancing your home, you might be wondering: what is a cashout refinance and is it right for me?

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  • Most people know that a refinance is a situation in which you save yourself money (ideally) by getting better terms on your home mortgage.

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  • Typically, a refinance takes place when you have owned your home and made payments on it for several years.

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  • Once people understand "what is a cashout refinance," the next question is often, "why would I want to do this?"

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  • Whatever you do, don't jump into a cashout refinance without first making sure that you'd be getting a better deal.

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  • Finally, it's important to understand, "what is a cashout refinance good for?"

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  • Do look specifically for mortgage refinance rates when comparing these options.

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  • Refinance rates can be slightly lower than new mortgage rates.

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  • Lowering a mortgage interest rate is not the only reason behind obtaining a refinance.

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  • Other homeowners want what is called a cash-out refinance, which involves borrowing up to the amount of the market value of the home, taking any excess cash out to consolidate debt, make a major purchase, or use for investments.

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  • Homeowners must demonstrate creditworthiness before being approved for a refinance.

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  • Or, in some instances, the refinance simply won't lower the payment enough to make a refinance worth it.

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  • A mortgage refinance can help you to make the decision whether to refinance or not.

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  • There is also a home mortgage refinance calculator provided by the AIG financial institution.

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  • The decision to refinance a home mortgage can be a major financial move.

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  • For a long time, people have relied upon the rule that you should refinance when you feel you could reduce your interest rate by at least 2 percent.

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  • If not, choosing to refinance a home mortgage may not be worth it since you won't be in the mortgage that much longer if you move away.

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  • A refinance will save you on the interest rate, but the new terms may extend the time it will take you to break even with your old terms.

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  • It might sound obvious, but you shouldn't refinance if you can't get a better interest rate.

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  • There are other details to consider when you refinance a home mortgage aside from just the interest rate, of course.

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  • Chase offers six major options for borrowers looking to buy or refinance a home.

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  • Designed for those who already have loans through Chase Mortgage and are looking to refinance for a better deal, the Home Affordable Refinance Program is in place to streamline and simplify the refinancing process.

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  • While those whose existing mortgages aren't from Chase can still refinance with a mortgage from Chase, the HARP program is simply a shortcut to doing so, since all of your information is already in the system.

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  • Refinance: Cash out and total refinance options are available from this company.

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  • You can also refinance to consolidate debt.

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  • The company offers a Purchase and Renovate or a Refinance and Renovate loans as well as typical home equity loans.

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  • The organization may also help to refinance first and second mortgages together.

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  • Be sure to act quickly when the interest rate gets to the number you are waiting for because lenders have different requirements for locking in an interest rate for a home purchase or refinance.

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  • This is particularly true for homeowners who want to refinance their home with an interest only mortgage.

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  • Follow these steps to make sure your mortgage refinance goes as smoothly as possible.

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  • While the information you receive will probably not be the exact value of your home, the estimate will be sufficient for your initial preparations to refinance.

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  • Your lender will need to know this information when accepting your refinance application.

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  • Your current lender may be willing to refinance your mortgage at a lower interest rate, but do not assume that your current lender will always be the best option.

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  • Reliable refinance comparison websites include BankRate and Lending Tree.

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  • If something goes wrong - such as the home appraising for less than the value expected - the refinance might be canceled.

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  • Their clever craftsmanship and expensive materials, combined with one of the most prominent brand names in modern fashion history, completely justify the fact that you may need to refinance your home to afford a studded leather clutch.

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  • Both prime and sub-prime lenders are making it easier for customers to refinance auto loans.

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  • Balloon payments - Never enter into a balloon payment refinance where you pay monthly payments for an agreed upon term and then have a big payment at the end.

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  • It is not always possible to refinance with the same lender, but it doesn't hurt to try.

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