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This is basically when you refinance, you have to factor in all the closing some mortgage lenders have advertised no cost and low cost refinacing it is rather difficult to find a home near. If you buy it, and the value of it goes up, and you sell it, you have to pay capital gains on it. There is a significant difference morally and legally between someone giving you money sticking it in your pocket and some making as clerical error and the money happens to end up in your account instead of another.



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