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The new monthly payment on mortgage loan will be calculated dependant upon the new loan balance. Generally if the payment continues more than 31% belonging to the person's income, then the interest rate will be reduced to bring the payment down to 31%.
For each one of the first three years, 20% each year will be forgiven. As fourth and fifth years the value of the home will be updated. Should the value of the home has not increased, 20% each year will be forgiven. Should the value has increased, mortgage loan balance are usually increased to the current value. Productive will be forgiven.
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