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Current high declines in home loan rates have actually gone away as the benchmark 30-year home loan price struck 4.29 percent this week, up 12 basis factors from 4.17 percent a week earlier, according to Banrkate’s most recent regular survey of the nation’s biggest home mortgage loan.
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Another strategy is to transfer the debt to an installment loan–say, a personal loan–or a home-equity line of credit. Such debts don’t factor into utilization ratios. Plus, the presence of the loan.
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