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If you do not have enough equity to refinance with cash back, you can also renegotiate the terms of your existing loan. This is more good news. If cash flow is not a problem, and you just want a smaller total debt you could go from a 30 year note to a 15 year note. Find out the largest monthly payment you could afford and work from there. If cash flow is a problem and you need to lower your payment, then adding years onto your existing loan can save you hundreds of dollars a month.

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