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i re-fi'd almost 10 yrs ago, i did not have an arm but just a higher rate than was available at the time. i chose to do the 15 yr note, paid a bit extra each month but now at 49 i am only 6 yrs from havin it paid for ! i financed the cost of re-fi into the note and over the time period of 15 yrs instead of 30 i saved a buttload.
have fun
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