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Refinancing and Payoffs

I am a current customer, how do I refinance my loan?
How do I get the payoff amount for my loan?
When will I receive a statement that my account is paid in full?
When my account is paid in full, how long will it take before any overpayment will be sent back to me?
How long before the lien is released on my property?
What if I am disputing the payoff figures?
Why does my payoff reflect interest due for the previous month?
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