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Joel (and others!)

Come this April of 2013, I will have been in Mortgage number 1 for ten years.

The thought of re-setting the time clock back to ZERO . . . is not very appealing. However, if I can re-fi with a 15 year and still pay pretty much what I am paying on mortgage number 1, then that would be a good deal. But, I don't know if I can do that and I guess the only way to find out is to get off my butt and go start talking to some credit unions.

Your thoughts?

Thank you very much,

DDW

PS: Balance on mortgage number one is 93K

Balance on mortgage number two is about 28K (it has about 14 years left to pay it off)

Value of our home is approx 150K
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