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I was in an ARM and refinanced to a FHA 30 year fixed @ 6%, but my payments were $1,933 and too much for me to handle. I refinanced with the FHA streamline and they lowered it to $1,833. Unfortunately, medical expenses came into the flow with me and my daughter. Also, hardship hit me hard when my home was vandalised and I had to pay $1300 to replac
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