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i'm wondering if HARP is the right path here. it certainly isn't my fault the property values have slumped. this was my first house and i'm still proud to own it. i take care of it. hell, i've been making extra principal payments. so should i blame myself for trying to reduce my APR and my payments?
it's not like i'm trying to screw the bank or the system. i just want to pay less since the current market APR is lower than when i purchased the house.
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