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- 16:58, 29 December 2023 GrGuruto talk contribs deleted page User:ClevelandMcCree (Spam: content was: "Second mortgages are subordinate, have higher interest rates and shorter amortization periods. Fixed vs variable rate mortgages involve a trade-off between stable payments and flexibility over the term. Mortgage Early Renewal Penalties apply if breaking a preexisting mortgage contract before the maturity date. Borrowers may incur fees like discharge pen...", and the only contributor was "ClevelandMcCree" ([[User talk:ClevelandMcCre...)