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Reply to "Need advice on refinancing"
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[quote=Anonymous]It is not true that most no closing cost loans require you to keep them for a period of time. I have seen that on no closing cost HELOCs but I have not seen that on no closing cost refis. The banks make their money on a no closing cost loan but giving you a slightly higher interest rate than you could get if you paid closing costs (which in turn is slightly higher than the rate you could get if you paid closing costs and points). Also you can generally deduct interest on 100k of a HELOC even if you use the money on hookers and blow.[/quote]
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