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Heartburn is a symptom of acid reflux and GERD is a condition characterized by severe acid reflux. Heartburn acid reflux and GERD are different but related.
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This is most easily calculated by dividing the upfront fees of Loan B by the difference in payment between the two scenarios.

. So if you plan to stay in your home for less than 615 months or just over 5 years then it makes sense to choose Loan A the higher interest rate and no points.
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