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  • To fooltinytools, thanks for your input, but as do disagree with a number of your points.First, if you have a FHA Loan, you can re-fi even if you are underwater on the property, especially if you haven???t missed any payments, which someone who could afford the home would be in good standing.Second, even if the credit companies are changing the way they score a strategic defaulter as you say, you w
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