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Cash-Out Refinancing
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"refinancing isn't free money. You're essentially borrowing against your home's equity"
Glad you mentioned this, because it's easy to overlook when you're excited about a project. Have you thought about how long you plan to stay in your home? I've seen people refinance and then move before they recoup the costs—ouch. But if you're planning to stick around awhile and the numbers add up, refinancing can really pay off. Sounds like you're already approaching this thoughtfully, which is great to see.
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