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Those with sufficient home equity and income will be able to execute so-called "cash-out" refinances, in which you get extra money to pay off other debts, said Jon Lawless, vice president of product development for Fannie Mae.This can be a smart move, but it also can be a financial disaster if done incorrectly or without discipline.The homeowner needs to be aware of the risks and understand the pros and cons of consolidating debt with a mortgage refinance.Consolidating credit debit or multiple loans means you'll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner.By understanding how consolidating your debt benefits you, you'll be in a better position to decide if it is the right option for you. Our American Pacific Mortgage loan advisors can give you a one-on-one consultation, and map out exactly how debt consolidation can work for you.

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Not much except tonight's episode will take place at a wedding were the gang is all competing to see who can get laid. In honor of the premiere of season 4, we have put together a gallery of 16 things you may not know about the cast of Yes, it's true.

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