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Fewer than 10% of borrowers in their 40s and 50s made the mistake of paying more than they had to for their home-equity lines, but 70% of the 20-somethings did, and roughly 30% of the 70-somethings. If you don't try, it could follow you forever. Markb was correct when he said a deposit of 20% is a good thing, with a deposit of that size most lenders will go out of their way to do business with you.
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