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I totally get where you're coming from—refinancing decisions can feel overwhelming at first. When I refinanced to a 15-year, I did look into the tax side of things, especially around home equity loans. Honestly, the tax implications didn't drastically shift my numbers, but they were definitely worth considering. I'd suggest running a quick scenario through an online tax calculator or chatting briefly with a tax pro...it helped clear things up for me and made the decision feel way less stressful. Good luck!
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