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I just heard from Nick, I already had a call into him, ge said it appears that since my balloon mortgage has not hit its maturity date I can't refinance. I still think its b.s. but I guess I am the 1% that HARP won't help. Keeping my fingers crossed that HARP 3.0 will help me. it bothers me that banks just can't just do a rate adjustment but that's their business. I wonder how big $900 looks like in pennies. We may just have to find out.
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