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Hi Doc,

I'd need to know more details to make a recommendation, and if you'd like to do it privately, post back but unclick "Post to boards" and select "E-Mail this to author."

I suspect your best program MIGHT be a 5/1 or 7/1 30 year conforming ARM. You'll get interest rates to make the neighbors jealous, and can use the monthly savings to pay down pricipal voluntarily while keeping the discretionary power of control over your cashflow.

Hope that helps,
Dave Donhoff
Lic. Mortgage Broker
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