what is fnma enhancements letter 2021

provide Fannie Mae with copies of the existing interest rate hedge documents. To learn more, visit:fanniemae.com|Twitter|Facebook|LinkedIn|Instagram|YouTube|Blog, Media ContactJessica Alexander Very misleading and deceptive practice. Multifamily Mortgage Business Lender Letter 2 1-02 . What is the difference between Fannie Mae Freddie Mac and FHA? Utilizing this new service could get homeowners $271 /mo*or$3,252*per year! 724 0 obj <> endobj Any aggressive enhancements made to Fannie Mae eligibility will always be listed on their website, as well as information on whether you qualify or how you can take advantage of these enhancements. I received a letter last week, was looking at it just now and found this post. View more posts about Credit Union Updates. Freddie Mac buys home mortgages, primarily from smaller banks and savings and loans. Freddie Mac was chartered by Congress as a private company serving a public purpose. So glad you found this helpful. to replenish their funds. (adsbygoogle = window.adsbygoogle || []).push({}); Have you received an FNMA Enhancement Notice? There are many types of mortgages, but Freddie Mac cannot buy non-conforming loans. Help me understand this letter from lender - what are "FNMA Fannie Mae and Freddie Mac also have differences in lending requirements and programs. audience tickets 2021. forge of empires have less than 10 population available; caddyshack 2 worst slice; union county, nc deck building codes; . This is your one-stop encyclopedia that has numerous frequently asked questions answered. We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed. Lower-income borrowers typically refinance at a slower pace than higher-income borrowers, potentially missing an opportunity to save on housing costs. To qualify for RefiNow, homeowners must have: Statements from Fannie Mae Board Chairwoman Sheila C. Bair and Fannie Mae CEO Hugh R. Frater on FHFAs announcement of the new Enterprise refinance option are available here. FNMA Enhancements Letter (Do You Qualify?) Wow, the letter is practically the same letter I got! Your full address is listed in the top left-hand corner of the page. It's important to note that information about mortgages is on public record. hb```b@(1ao>DaMtB&[+^hDrd n'DwWzaL . They perform an important role in the nation's housing finance system - to provide liquidity, stability and affordability to the mortgage market.They provide liquidity (ready access to funds on reasonable terms) to the thousands of banks, savings and loans, and mortgage companies that make loans to finance housing. If you search for notice for FNMA enhancement, youll get a lot of scam warnings. Thanks for the post. The policies in this Lender Letter are effective immediately and until Fannie Mae provides further notice, unless otherwise stated. .zip Form 1209: Green Retrofits Certification 1/19/2021.pdf Form 1301: Diverse Borrower Questionnaire 4/15/2021.pdf Form 1302: Diverse Borrower Certification 4/15/2021.pdf Form 6011: Waiver of 50-page Limit for SBL Appraisal 6/27/2019 To view this form, download and open the form in Adobe Reader Fannie . Fannie Mae Credit Enhancement | Tax Exempt Bonds . If you call the number listed, it may connect you to an automated recording or a person. Fannie Mae's New Refinance Option Available Beginning June 5 May 4, 2022 Increasing our expense reimbursement limits for interior and exterior property inspections. Lender Letter (LL-2021-02) Updated: May 4, 2022 - Fannie Mae Under the temporary eligibility guidelines, effective immediately, homeowners who missed payments and entered into a loss mitigation solution - such as a repayment plan, payment deferral, or loan modification - are eligible for a new refinance or purchase mortgage after three timely payments. Youre very welcome and I totally agree that we are in a time when it is easy to fall victim to these scams. 0 . In addition, we do not sell or distribute your personal information to non-affiliated third parties. Additionally, the files will be sorted in descending order, so that the most recent file is at the top of the list. Fannie Mae says that conventional loans typically require a minimum credit score of 620. Maybe try a search? Lender Letter (LL-2021-02) Updated: May 4, 2022 To: All Fannie Mae Single-Family Servicers It should be noted that Fannie Mae's obligation under this guaranty is solely Fannie Mae's and is not backed by the full faith and credit of the U.S. government. FHA loans are insured by the Federal Housing Administration, and conventional mortgages aren't insured by a federal agency. ProFed reminds customers that their mortgage information is public record, which means anyone can search and discover information about your mortgage, including scammers. Fannie Mae's "RefiNow program aims to lower the interest rate homeowners pay on their mortgage, and, therefore, the amount they pay monthly. Another name you most likely know this organization by is Fannie Mae. Download Lender Letter Typically, an apartment property that receives Fannie Mae Credit Enhancement looks like any other multifamily project. Chinese Granite; Imported Granite; Chinese Marble; Imported Marble; China Slate & Sandstone; Quartz stone Many people have received letters titled Understanding FNMA Enhancements. Some of these letters cite home loans from McKesson Emps Federal and JFQ Lending. Instead, go straight to the Fannie Mae website and contact them from there. Its always good to double check, especially if your transaction involves money. Required fields are marked *. Some letters may describe a third-party offer from a particular lender that's not approved nor affiliated with your current mortgage lender, the FNMA, or any other government agency. Beware of specific indicators that require you to takespecific actions in an urgent matter. mortgage enhancements do not only make your mortgage more affordable but also your refinancing, modifications are usually geared toward altering the conditions of pre-existing loans. Fannie Mae was founded back in 1938 to create more affordable housing within the United States and has been publically traded since 1968. ProFed is not responsible for the content of the alternate website. HWn6}7X"I6Em}p&+]YmCik(6u3g~l_2(=(|LY4{=~6AO4/Nfa7pribxqX&O hG5&qFp7#X%YC:+&J 2kYc#K&8q?k;|2belh m:C\c0#*nTyN@A}#) `#fSc[UX&ypYN3dMu1c MHl*\.9B?2Ek$1}B2vIbd=& Theletters appear to come from JFQ Lending. Scam Alert: Notice of FNMA Enhancement - ProFed Federal Credit Union antigen test folkestone; celina ohio high school football stadium; rusty coones height; couple painting easy; outlander birthday cards; what countries have the same climate as britain Offers may be subject to change without notice. What To Do if You Get an FNMA Enhancement Letter - Market Realist 3, 2020. Thank you for this posting and explanation. @;HP( a30=@,`4`g\#wFgoF9%uSKmIse 4V1B@p:z C A general rule of thumb is that you should have at least 20% equity in your home if you want to refinance. The difference between a FHA and Fannie Mae loans are that the FHA insured loan is a loan by The US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by a approved lender. [Vf0K0Yo|e;I& k EP$wIGi1[Fphf! If so, let us know in the comments below! Fannie Mae and Freddie Mac also have differences in lending requirements and programs. I dont feel like I am in MY right mind, and it is easy to fall victim to bad actors. B*!x60-RkC>{y7W%!c2NVCSs9\@wN%h+vE-m/Fw5)}&pl qaTcg/6k8d[{"UBR(gA279ar#DH6RNGd'l":({*T7yl3v?1_ya)>p^rtC0cI\)1PL[K-r};Qd-6{qVos3L'9AmExuE^E_r-sg3 F0wH2"0$2Y-Yf9n5^5Yy_' kt9 ^ A00o_y3 ~/ ;N"1m h Also The letter looks very authentic, and it could easily fool a lot of people especially the elderly. ?/fG_X$d#evUd:ev]|oXTtvS^\TzlWR4?BPF8\iS1TRm>'@xa6aG25N&/p > aa-QXj v Frge:XEX@D7f(a p*s:5Zndm>lTMm5=.uZ,ob'T$XX$b@yI4%Hq%-;d9-F4mex|s2}-b|R-D6OkkS16llh6]B~%|d(ISnlnkr? what is fnma enhancements letter 2021. As the Federal National Mortgage Association (FNMA) enhances loan terms, some people get FNMA enhancement letters. Press J to jump to the feed. Initially announced April 28 by the Federal Housing Finance Agency, RefiNow makes it easier for eligible homeowners earning at or below 80% area median income (AMI) to refinance at a lower interest rate and reduce their monthly mortgage payment. Feb. 01, 2023. The Revised QM Rule for the "verify" provision includes commentary (1026.43 (e) (2) (v) (B)-3.i) that cites Chapters B3-3 through B3-6 of the Selling Guide, published Jun. Updated Portfolio Functionality: Upon activating the Deal Paydown Alert for the portfolio, the alert will display in the portfolio when the factor for a security within the portfolio goes to zero on Business Day 4. Choose Know Your Options from the drop-down menu. Be aware of the "Understanding FNMA Enhancement" letter scam. Income at or below 80 percent of the median income in their area. Restricted Affordable Housing includes the following Affordable Housing Types: MBS and Mega Advanced Search Download File, Fannie Mae to Release DUS Disclose Enhancements in January 2021. 8720 Georgia Avenue, Suite 301 Silver Spring, Thanks for your comment! Learn about our RefiNow enhancements: https://t.co/1DECdVYLF6 pic.twitter.com/odt9xm75Nc. Saw this while I was on hold with the . This refinancing could save homeowners an estimated $100 to $250 per month. Conventional loans allow slightly lower down payments. Fannie Maes new RefiNow option will help more homeowners refinance by removing some of those barriers, improving affordability, and promoting sustainable homeownership, said Malloy Evans, Senior Vice President and Single-Family Chief Credit Risk Officer, Fannie Mae. 747 0 obj <>/Filter/FlateDecode/ID[<7C8F0A75F12966458171E2DDD3BE6982><305DC1B236721E44841681C527C5CCA0>]/Index[724 58]/Info 723 0 R/Length 113/Prev 208454/Root 725 0 R/Size 782/Type/XRef/W[1 3 1]>>stream Share: Fannie Mae and Freddie Mac are government-backed mortgage companies created by the U.S. Congress. Save my name, email, and website in this browser for the next time I comment. I also got an InterContinental Capital Group Inc. letter dated January 2022. In fact, Fannie Mae expanded eligibility for their RefiNow program back on June 5th 2021. Requiring a reduction in the homeowners interest rate by a minimum of 50 basis points and a savings of at least $50 in the homeowners monthly mortgage payment. From: Te-Mika Warner, Deputy General Counsel . The letters appear to come from JFQ Lending. The letter identifies your mortgage servicerthe company responsible for collecting your monthly payments on our behalf and providing customer service. The Fannie Mae loan has a higher credit score requirement at 620 to 640 which is higher than the FHA loan. So, feel free to use this information and benefit from expert answers to the questions you are interested in! Be aware of the "Understanding FNMA Enhancement" letter scam Enhancements to support borrowers with non-traditional credit: aligns policy with eligibility expansions to the cash flow assessment and other risk . The difference between a FHA and Fannie Mae loans are that the FHA insured loan is a loan by The US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by a . The letters ask you to call1-833-782-0648and warns you to call before a certain date to secure economic benefits. One red flag to watch for, according to ProFed, is the account not matching your account number. This program provides low borrowing cost, flexible structures, and a . Just like when you get a speeding ticket. Fannie Mae is tightening the underwriting criteria for second homes and investment properties, the government sponsored entity said in a letter to sellers on Wednesday. You need at least 3 percent for your down payment. Disclosing your personal information could result in an unfortunate series of events impacting your finances and privacy. It is important to note that both JFQ Lending and Intercontinental Capital Group Inc. are legitimate companies, but they are not the ones behind the FNMA Enhancements mortgage notices that are being sent to you. The bottom of the letter states that, "This is a third-party offer from JFQ Lending, Inc.". %PDF-1.6 % Fannie Mae will be implementing the following enhancements to DUS Disclose on January 29, 2021: The following new fields will be added to DUS Disclose: To assist market participants with the transition to these enhancements, we are providing the updated file layouts for the following files: If you have questions about DUS Disclose or the upcoming enhancements, please contact Fannie Mae's Investor Help Line by phone (1-800-232-6643) or by email. In fact, ProFed Credit Union warned their customers of this FNMA Enhancement scam when they were notified that their clients were receiving the letter from JFQ Lending. Fannie Mae (FNMA): What it is and how it affects your mortgage What is the difference between a Fannie Mae loan and a conventional loan? We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of ProFed Federal Credit Union. manchester united annual turnover; what dallas city council district am i in To: Multifamily Lenders . Scammers can get your contact information by searching through these records. June 7, 2022 . 74=? The requirements related to maximum points and fees and APR-APOR spread for Exempt loans are described in LL-2021-11. Fannie Mae Single-Family Loan Performance Data, Multifamily Connecticut Avenue Securities, Multifamily Connecticut Avenue Securities Transactions, Multifamily Credit Insurance Risk Transfer, Noncallable and Callable Debt Issuance Detail, Noncallable and Callable Debt Outstanding Detail, Noncallable Benchmark Securities and Bonds Outstanding. 781 0 obj <>stream Please be advised that ProFed does not represent the third party or you (the member) if you and the third party enter into a transaction. Never use the contact information on a Fannie Mae Enhancements letter. Fannie and Freddie failed in large part because they made bad business decisions and held insufficient capital. HIGHLIGHTS Fannie Mae is announcing updates to the Loan Documents which may be used immediately and must be Conventional Loans A conventional loan is a mortgage that's not insured by a government agency. Credit Enhancement Instrument Agreement between Fannie Mae and a Bond Trustee where Fannie Mae provides credit enhancement of a Credit Enhancement Mortgage Loan, Bonds issued to finance a Credit Enhancement Mortgage Loan, or an Interest Rate Hedge Agreement; and if applicable, a Bond liquidity facility. Standard: A residential condominium that is operated as a multifamily property and the borrower owns all of the units in the building (or other designated area). Here's a scam warning from another bank about a very similar letter. endstream endobj startxref ProFed members are reporting thatthey havereceivedletters in the mail telling them to call a numberregarding their mortgage before a certain date to benefit from a cash disbursement, shortened payment term, or lower mortgage payment. JFQ is trying to get you to refi with them. I believe it is a legitimate communication from my lender, and Im curious as to why Im receiving it. While Fannie Mae doesnt issue mortgages to consumers or lend them money, they do buy mortgages directly from lenders. To help expedite the process, please have your eligibility code available when calling. Waiving the 50 basis point up-front adverse market refinance fee that Fannie Mae otherwise charges to lenders on balances at or below $300,000. It borrows in the debt markets by selling bonds, and provides liquidity to loan originators by purchasing whole loans. In fact, Fannie Mae expanded eligibility for their RefiNow program back on June 5th 2021. Scam Alert: Notice of FNMA Enhancement | ProFed Credit Union Call your lender before taking any action. If you call it, remember not to share any personal information, as it could result in a spam attack and financial loss. the villa pacific palisades, ca. March 15, 2021 . Letter as necessary. Borrowers must have a Fannie Mae-backed mortgage for their house, where they must live. This citation states that using these . Providing a $500 credit from Fannie Mae to the lender at the time the loan is purchased if an appraisal was obtained for the transaction. what is fnma enhancements letter 2021. Fannie Mae was chartered by U.S. Congress in 1938 to provide a reliable source of affordable mortgage financing across the country. and contain the line "Notice of FNMA Enhancement." The letters ask you to call 1-833-782-0648 and warns you to call before a certain date to secure economic benefits. proposed in December 2021, that requires Fannie Mae and Freddie Mac to submit annual capital plans to the agency and provide notice prior to taking certain capital actions. Lender Letter LL-2021-03 - Impact of Covid-19 on Originations February 15, 2023 Lender Letter LL-2021-03 - Impact of Covid-19 on Originations This Lender Letter provides reminders and temporary flexibilities to support mortgage originations. Understanding Stock Market Terms, How to Make Money With a Drone: Earn a Full Time Income, How to Make Money on Maternity Leave Our Top 10 List.  )3L>85ndF}'|UIB2Smk# F_Jh 'bYd?O06:\H&(Z}o.8oC}nz,y^]eJYnD^*|RL*q Freddie Mac can be reached at 800-373-3343 or Freddie Mac's website. These changes will generate economic benefits for those, like you, who have a conventional mortgage. what is fnma enhancements letter 2021 - luxurystore.mn It seems that the benefits you get are too good to be true. The other major reason sellers don't like FHA loans is that the guidelines require appraisers to look for certain defects that could pose habitability concerns or health, safety, or security risks. Mar 16, 2021 153 Dislike Share Save Scamadviser 26.7K subscribers If you get a notice of an FNMA Enhancements letter that offers you some loan, then please watch this video because it could. hbbd```b``"WH uX," ``r5Bz^ 9&WM D ] REH2j` RHONw ;~ Conventional loan down payment requirements The minimum down payment required for a conventional mortgage is 3%, but borrowers with lower credit scores or higher debt-to-income ratios may be required to put down more. About Fannie Mae How the letters are sent mine had small type that said *Entrust Funding is not affiliated with your current lender, Just got one of these and thats exactly what it is! x]Mj0>`OJ`S Our experts have done a research to get accurate and detailed answers for you. From a different lender stating its an offer for a refi. I bet that event puts my name and address in a public record and on a list that can be purchased. We partner with lenders to create housing opportunities for families across the country. Menu ceramic cutting tools advantages and disadvantages. For an interest rate swap, you must determine and advise Fannie Mae if the Borrower's interest rate hedge payment obligations are supported by a: Fannie Mae collateral agreement or credit enhancement instrument; or ~L+w&7K5)1M~2L!v"%P\`X0IrmxA"@c|8dbnu`!*O2d(g19{V+z *gzQ;7QD>+9m U@0K.2"q7Cx"86 Bf"f'MHPwr/IYB]\`X; Ad8v9WK WM?DjxvA0H1TNVfkXSHffZ)% pj1774H'7Tl wpg>v%|m}SXy 2Y{[ 4bI5Ux| ^#%$HJM_f WyBSbxzu}9J^bs6jg`g3iW#t|+zd{i0q"3&Nge},2XRYS,R ho{dlrgejjfyKKL4C9F1]WEbX1QBj ch($L8+0Q$'~l6-U1;S|PhKObBKTMDr]D^D |jo'PchOhGLyg$s4|wIbHo&TcU O$ w3>#ZPuC^yFq.Y6mr}8LTE! , Probably why I got this same "FNMA Enhancement" letter from JFQ Lending. The FNMA doesn't originate mortgages but purchases and guarantees them through the secondary mortgage market. CxpYM{:-4S{R'._-z9kU]d=yo(tr2uz8&.:c`{GEsz4qE!;! This eliminates that possibility of being scammed by any fake FNMA Enhancement promises. Vh4M &sYkf9r}\yB 4'N6`E?F7\eiyA,@$9\nftlc3c`fMDzy:/`M4Y B1. If you want to get rid of private mortgage insurance, you'll likely need 20% equity in your home. Subject: Lender Letter 2 1-02 - Loan Document Update . This Stimulus Program is aimed to help average American citizens and stimulate the economy. Then elsewhere it says, "Proposed Lender: JFQ Lending, Inc." Deceptive marketing. This is the actual letter Ireceived. They provide liquidity (ready access to funds on reasonable terms) to the thousands of banks, savings and loans, and mortgage companies that make loans to finance housing. Fannie Mae tightens standards on investment properties Why you got "Understanding FNMA Enhancement"? To get the necessary information, call our office at ***-***-**** before (date). It started the program for 2021 on June 5. This allowed many homeowners to reduce their monthly mortgage payments by locking in a lower interest rate. If you head over to Fannie Maes website, youll find a wealth of information under the Homeowners & Renters tab. 202-752-2725, Fannie Mae Newsroomhttps://www.fanniemae.com/news, Photo of Fannie Maehttps://www.fanniemae.com/resources/img/about-fm/fm-building.tif, RefiNow Expands Eligibility to Help More Homeowners Reduce Their Monthly Mortgage Payment, About the Mortgage Lender Sentiment Survey, About the Refinance Application-Level Index, https://www.fanniemae.com/resources/img/about-fm/fm-building.tif, Fannie Maes New Refinance Option Available Beginning June 5. Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution. These may not qualify as full-fledged scams but they're still deceptive marketing. Powered by Loebig Ink, LLC, Home | En Espanol | Site Map | Disclaimer, 8720 Georgia Avenue, Suite 301 | Silver Spring, Maryland 20910, Maryland Criminal Defense Crimes and Procedure, Domestic Violence Maryland Criminal Defense Attorney, Manslaughter Maryland Criminal Defense Lawyer, Second Degree Murder Maryland Defense Lawyer, Child Pornography Maryland Sex Crime Lawyer. what is fnma enhancements letter 2021. If you get a notice of an FNMA Enhancements letter that offers you some loan, then please watch this video because it could be a scam! FNMA Servicing Notice Approving Mortgage Loan Modifications; HSSN Always verify before you do anything. MBS for Bonds Fannie Mae MBS: issued to . I just got the same letterits for refinancing of mortgages. By accessing the noted link you will be leaving ProFed's website and entering a website hosted by another party. My mortgage was sold to another lender as often happens, last month. These companies have stated that these notices are a scam and that they're not associated with them in any manner. To enhance this particular program, FNMA expanded its eligibility back in June 2021. Here's a scam warning from another bank about a very similar letter. When will fnma be released from conservatorship? These modifications, which change the conditions of existing loans to help borrowers avoid defaulting on their mortgages, could include lower interest rates or extending the term of the loan to reduce monthly payments. Do not share your personal information under any circumstances. FNMA Enhancement Notice Scam Warning - Five Bags of Gold After the mortgage meltdown of 2008, Fannie Mae and Freddie Mac started to focus on loan modifications. Freddie Mac released a pair of enhancements. hXmo6+b;"@^MW42@5\m=G*V4 B Homeownership is hard enough with out predators trying to take advantage of FTHB. If, as a homeowner, you want to explore refinancing through Fannie Maes program, you can contact any mortgage company. Data Collections User Interface: For easier navigation on this page, we are adding the ability to collapse and expand the different file sections. A mortgage with a loan-to-value ratio up to 97%, a debt-to-income ratio of 65% or less, and a minimum 620 FICO score. What is the purpose of FNMA? Exactly the same as the letter I received. It also lists resources we offer to inform and assist you, especially if you ever have a financial hardship or need help recovering from a natural disaster. Company Information; FAQ; Stone Materials. Fannie Mae buys loans from lenders A lender is a financial institution that loans money directly to you with the expectation that it will be repaid with interest. vG6YikU] ")/~62x[1x A`Q n\ 5`uB^b`G' ,br=x^Wg[!3R'7$>6hmk{eW.> [ bEG\~*2/od-kW,RM/mo8F;Ol2?P` THANK YOU! "|b?5:Tx|DC6+Q8rW,XU^. Help me understand this letter from lender - what are "FNMA Enhancements"?? I appreciate the info. Stay safe all. This is NOT a secured email transmission. *https://www.forbes.com/advisor/refiroadmap/, http://www.fanniemae.com/resources/file/aboutus/media/HARP-Research-Report-030613.pdf* Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau), 2021 HomeStimulusProgram.com | Legal | Contact | Sitemap. This is likely to be the largest benefit program American homeowners have seen. hbbd```b``l6V "9A$XDLlm~d-U@dX=)$= R2_cv &30x? orlando to fort pierce train; dod personnel who suspect a coworker of possible espionage should; boyd funeral home marion, ohio obituaries; horner's syndrome in cats after ear cleaning; No payments missed in the previous six months and no more than one in the previous 12 months. The primary difference between Freddie Mac and Fannie Mae is where they source their mortgages from. Our team has collected thousands of questions that people keep asking in forums, blogs and in Google questions. Lender Letter LL-2021-03 - Impact of Covid-19 on Originations Understanding Fnma Enhancements Letter Mortgage I agree with this advice and it applies to ALL things. This allowed many homeowners to reduce their monthly mortgage payments by locking in a lower interest rate. be seasoned at least 12 months (from the original note date to new loan note date). "Recent amendments to. At least one borrower must be a first-time homebuyer. Welcome to Sharing Culture! It started the program for 2021 on June 5. Details: Fnma enhancements letter 2020. Thanks! Borrower Owned Unit for Fractured Condo Regime. (adsbygoogle = window.adsbygoogle || []).push({}); Your email address will not be published. FNMA Enhancements letter 2021 - scam or legit notice? Why you got Fannie Mae is reminding servicers of their authority to approve eligible mortgage loan modifications for the Fannie Mae Standard Modification and the Fannie Mae HAMP Modification. January 14, 2021 Fannie Mae will be implementing the following enhancements to DUS Disclose on January 29, 2021: Updated Portfolio Functionality: Upon activating the Deal Paydown Alert for the portfolio, the alert will display in the portfolio when the factor for a security within the portfolio goes to zero on Business Day 4. endstream endobj 730 0 obj <>stream These solicitations claim that you're eligible for special economic enhancements if you refinance with a company.

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