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Paying extra to your mortgage as an alternative to investing boost equity, in case you aren't qualified to borrow against this equity during a time of emergency, (Credit issues, no income, etc) the equity is worthless unless you sell house.
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You'll cash lender's agent all expenses and, in turn,he or she gives a settlement statement skin color items for which you have spent. The deed and mortgage will then be recorded in the state run Registry of Deeds, and you'll be a person.