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Most homeowners with a mortgage never hear about these, even though they may already qualify. Once your home equity crosses the right threshold, you can request PMI removal yourself instead of waiting for it to happen automatically. Disabled veterans and certain surviving spouses are fully exempt from the VA funding fee, though many never check if they qualify. If your escrow account collects more than it needs, your lender is legally required to refund the surplus every year. A homestead exempt
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