Retired people who are depending on utilizing their home equity to assist fund transition to helped living; those who want to keep their home in the household or maintain their inheritance for their heirs. Customers currently paying above-market interest rates; customers who want to reduce their loan term; customers who wish to replace an ARM with a more foreseeable fixed-rate; customers dealing with a balloon payment.

Property owners seeking a house equity loan who would also take advantage of re-financing their current home loan. House owners seeking a house equity loan who would get little or no cost savings from re-financing their current home loan. Undersea borrowers or those with less than 20 percent house equity; those seeking to refinance at a lower rates of interest; borrowers with an ARM or upcoming balloon payment who wish to convert to a fixed-rate loan.

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