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Yeah, I've held out on refi-ing due to lack of favorable LTV ratio. We're only a couple years into our loan, and while we put down 20% at initial purchase, the market has fallen faster than that percentage. Only now is my home value coming back to around that 80% LTV ratio which would allow me to skip out on PMI, which is why I'm finally looking to refi.
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1987 Venetian Blue (looks like grey) 930 Coupe
1990 Black 964 C2 Targa
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