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There are wall street firms that will partially or entirely cross-collateralize securities, if transferred to their firm, to borrow higher levels of a mortgage, up to 100% of the home's value... even at super-jumbo levels. ;~)

And in theory the company we have our funds with does this. I say in theory because their rates have never been the best when we've looked at doing this, so we've never pursued it. Still having a hard time understanding why having the funds on hand to pay off the mortgage, even allowing a company to isolate those funds, makes you a worse risk than having a job at the time you take out a mortgage, a job which is not guaranteed to be there a year later.

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