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Mortgage Puzzle

Across
Adjustable rate mortgage
Loan secured by real estate
First letter of Jim's company
To buy something
To pay off all credit cards
Jim's last name
A rate that can never change
Down
To be underwritten before shopping for a home so you can close 3 weeks faster than any competitor offers
To upgrade and improve your home
To restructure your debt with a lower payment, cash out or shorter term
The interest charged on loan