| http://www.w3.org/ns/prov#value | - Was the last refinance within the last 3 years? (A common predatory practice is flipping, which involves repeatedly refinancing a mortgage loan without benefit to the borrower, in order to profit from high origination fees, closing costs, points, prepayment penalties and other charges, steadily eroding the borrower's equity in his or her home.). 2.
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