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Lowering My Rate: If you refinance to lower your rate, this will typically allow you to lower your monthly payments.
Lowering My Term: If you refinance to lower your term, you can pay off the loan faster, but it will likely increase the monthly payments.
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Semper Home Loans is an Equal Opportunity Employer. Semper Home Loans does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
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