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                                                         Refinance
                                                   When you choose AAG, you can refinance your existing FHA
                                                   loan easily and at a lower cost than other home loan refinancing
                                                   solutions. Rates are at an all time low! See if refinancing is the
                                                   right move for you: https://aag.expert/AAG157
                                                   www.aag.com/legal-information/
                                                   www.nmlsconsumeraccess.org NMLS ID: 9392 [INSERT LO
                                                   NMLS#]
                   Image 113_Consumer_Refinance

                                                   If you have never refinanced, or it has been a while since, now
                                                   may be the perfect time to do so. If you have an adjustable rate
                                                   mortgage that’s on the rise, or are experiencing ever-increasing
                                                   payments on your home equity line of credit, now is the ideal
                                                   time for a free consultation. See if your loan is in need of a
                                                   remodel: https://aag.expert/AAG158 www.aag.com/legal-
                                                   information/ www.nmlsconsumeraccess.org NMLS ID: 9392
                   Image 114_Consumer_Refinance
                                                   [INSERT LO NMLS#]



                                                   Good credit is critical when it comes to obtaining the best
                                                   interest rates and terms on a loan of any kind. When it comes to
                                                   securing a mortgage loan, your credit can have a major impact
                                                   on your odds of approval. Check out these important “Dos” and
                                                   “Don’ts”: https://aag.expert/AAG159 www.aag.com/legal-
                                                   information/ www.nmlsconsumeraccess.org NMLS ID: 9392
                                                   [INSERT LO NMLS#]
                   Image 115_Consumer_Refinance


                                                   Thinking of refinancing? Rates are low! Lower your interest rate,
                                                   shorten your loan term or take cash out with a refinance today!
                                                   https://aag.expert/AAG160 www.aag.com/legal-information/
                                                   www.nmlsconsumeraccess.org NMLS ID: 9392 [INSERT LO
                                                   NMLS#]


                   Image 116_Consumer_Refinance
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