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Common mortgage terms are 30-year or 15-year Longer terms usually have higher rates but lower monthly payments.



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Cash-out refinances typically have higher interest rates.
If you want to release equity release versus mortgage from your property, you may be able to do it by remortgaging.

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It's important to understand that buying points does not help you build equity in a property—you simply save money on interest.


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Buy-and-Hold Cash Buyers: A buy-and-hold cash buyer in Texas will convert a distressed house into a rental property.


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