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What wasn’t bright to the borrowers, however, was that Wells was accompanying alteration the absolute loan, a 20-year mortgage on which the Cottons had 14 years still to pay, to a new accommodation of 40 years. Over the appellation of the loan, they would end up advantageous as abundant as $129,000 in added interest, over the $55,593 in absorption they would accept paid over the actual 14 years of their aboriginal loan.

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