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Now in 993 land ...
Join Date: Mar 2003
Location: L.A.-> SF Bay Area
Posts: 14,891
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Generally you should not refinance to bring down your monthly payment rather than speed up your pay off timeline. Most people reset the clock to 30 years every time they refinance and either take out money or reduce their monthly cost.
I know for BK it is not possible, but when you see yourself with 20 years left, make every effort to push into a 15 to speed things up.
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97 993
81 SC (sold)
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