So we can say, APR is the cost of interest on the principal amount plus additional fees.

You will have a first mortgage for 80% of your home accordingly and a second mortgage for the remaining 20%.

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Fortunately for you, the owners who understand how mortgage brokers make their money can avoid paying the ridiculous markup their mortgage interest rates.
This basically means that you switch your existing debt obligation by an obligation of the latest debt that has different terms.

Do your homework and find the lowest refinance rates available to save you thousands of dollars.