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Nevertheless, some lenders do permit you to take cash out when you refinance. Lenders may impose a $5.50 cost of loans up to and including $50. 2 days later I reapplied to the same firm, using my married final identify and the interest rate provided was considerably less (lower than half). It will likely be known that you’re buying round for the best rates for the only mortgage application, so your credit score score is not going to be impacted by a number of completely different exhausting inquiries.