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An "Old Practice Leakage Index" has been included in the calculator below that defaults to twice the UK "Normal Practice Leakage Index" in order to expand the range of the calculations to include older buildings. If it earned 5% that's $50 in the Fed's pocket not yours. Most of my clients who are staying in the house for long term are really going into the 30 year fixed with the first 10 years being interest only. We are giving up our house to foreclosure, should we file bankruptcy before or after.
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