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"The more equity you have in your home for refi [or] the more you can put down for purchase" tends to give you a lower interest rate, said Chad Wandler, a spokesman for the secondary lender Freddie.

Elaine Hall has been named sales manager for Gimelstob Realty Inc., Boca Raton. Fran L. Risting has joined Metlife. Pickard has been named assistant secondary market manager for C.L. Clemens.