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      Several vendors have recently announced programs to help people pay off their homes early. You might ask, "How many ways are there to do that?" There are a few. But when lenders obfuscate the terminology so that the tools they recommend seem exclusive to them, there seem to be more, and comparing services becomes difficult.

      Here are the questions to ask before entering into any of these programs.

      1) How much does the program itself cost, that is, the information and whatever the vendor requires you purchase with that package?

      • For example, is the vendor selling informat
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        e there to do that?" There are a few. But when lenders obfuscate the terminology so that the tools they recommend seem exclusive to them, there seem to be more, and comparing services becomes difficult.

        Here are the questions to ask before entering into any of these programs.

        1) How much does the program itself cost, that is, the information and whatever the vendor requires you purchase with that package?

        • For example, is the vendor selling informa
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          sive to them, there seem to be more, and comparing services becomes difficult.

          Here are the questions to ask before entering into any of these programs.

          1) How much does the program itself cost, that is, the information and whatever the vendor requires you purchase with that package?

          • For example, is the vendor selling informa
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            ntering into any of these programs.

            1) How much does the program itself cost, that is, the information and whatever the vendor requires you purchase with that package?

            • For example, is the vendor selling informa
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              n and whatever the vendor requires you purchase with that package?

              • For example, is the vendor selling information only?
              • Is the vendor selling you a loan package or financial restructuring you must purchase in order to realize the savings?
              • Is it a one-time cost, or are there monthly or annual charges?
              • If there are other instruments to purchase, such as equity lines, can you shop around or are you locked in?
              For one such program, the cost is $3500. If you did nothing other than pay $3500 on the principal--assuming $250,000 mortgage at 6.5% and you make this

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