Emc Mortgage
A refreshed look at the fixed-rate vs adjustable-rate mortgage debate, with notes on EMC Mortgage references from the mid-2000s and what to verify today.
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Cash Out Loans
A cash-out refinance replaces your mortgage with a larger loan to access equity as cash. It can lower monthly payments, consolidate debt, or fund home improvements - but it raises your loan balance, may have higher rates and closing costs, and has tax and PMI implications.