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15 ) Then choosing whether or not to refinance which of the following should NOT affect your decision? The time that you expect to stay

15 ) Then choosing whether or not to refinance which of the following should NOT affect your decision?

The time that you expect to stay in your home

Prepayment penalties

Mortgage closing costs for the new loan

Difference between the current mortgage payment and the payment you would have on a new loan

Renovations you might do in your home in the near future

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