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I live in WA. My credit scores are 800+ but since 2008 is only worth $10,000 more than I owe.
My home was built in 1991 so in need of repairs/energy efficient upgrades. My mortgage is my only debt at this time but it is 42% of my income. Is there anything I can do to to get lower payments to do the home improvements needed without going into debt with credit cards? I know my Dad went to a mortgage company out of state to be able to refinance. Is that still an option?

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