By Alex Refintage

Lenders charge prepayment penalties if you sell your home or refinance the mortgage before a specified time. Do not settle for a loan with a prepayment penalty unless you absolutely have to. By withholding your Social Security number when shopping online mortgage lenders will not be able to access your credit until you are ready. Make sure you do your homework and shop around for the best deal before you sign an contract.

This means a balloon payment or a significant increase in....

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