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Should you choose mortgage loan modification or refinancing? Learn about the differences of loan modification vs. refinance and the latters challenges.

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If you’ve been thinking about buying a home but aren’t quite sure you can scrounge up enough money for the down payment, private mortgage insurance, or PMI, may be an option for you. PMI is a type of insurance that protects your lender if you default on the loan. It’s generally required on loans worth.

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