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"The first step in deciding whether you should refinance is to establish your goals. The most common reasons for refinancing a mortgage are to take cash out, get a lower payment or shorten your mortgage term." - QL
"Taking out a nonQM loan doesn’t necessarily spell doom. For some borrowers with unreliable income streams or a high DTI, a nonQM loan can help them get the money they need. Lenders have still set standards for nonQM borrowers and need to assess the borrower’s ability to repay." - QL
"A reverse mortgage loan allows borrowers aged 62+ to tap into their home equity to help fund some of their retirement needs. Each loan has safeguards in place to protect borrowers, and the funds are dispersed at the borrowers' discretion." - AAG