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The Bureau solicits comment on whether to permit open-end loans to be made under this conditional exemption; whether lenders would choose to make open-end loans under this conditional exemption if permitted to do so; and what the benefit for consumers would be of permitting such loans and what additional conditions may then be appropriate for proposed § 1041.It
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If you feel one or both of you plan to leave your jobs within 12 months, definitely try and refi again if the rates are worth it.
However, there are risks in this but if you are sure about repaying, then this can be a good option.
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