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Probably about one-third to one-half of the files that we look at are people who are combining first and second mortgages," says Stephen Neufeldt, underwriting manager at Dovenmuehle Mortgage Inc. Terminal Value The value of the firm at the end of the last year for which unique cash flows are projected is known as the terminal value. Entities that meet any of the following criteria are required to be licensed and bonded.

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