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You own land and wants to refinance to lower ratepayment only. No large structures or mobile homes are allowed on the property. You want a stable fixed rate payment. You own land and want to refinance to take cash-out refinance. There can be no construction of any sort in progress. Parcels up to 20 acres. Cannot be used for commercial, agricultural, timberland, or farming. Purchase loan amounts to 400,000. Refinance loan amounts to 100,000.