Freedom mortgage one time payment - One-time payment. Please enter your life insurance contract information below. Please provide an email address to send the payment confirmation. Yes, I would like to receive valuable product information and offers from the AARP Life Insurance Program from New York Life. The AARP Life Insurance Program is underwritten by New York Life Insurance ...

 
Your debts are typically paid from your estate after you die. Before any assets can pass to your heirs, the executor of your estate will use your assets to pay off your creditors. However, with mortgage debt, the process is different. Unless someone is a co-signer on the loan or a co-borrower, no one is legally obligated to continue paying off .... Gautemala

You’ll be able to set up your new Freedom Mortgage online account five to seven days after the effective date of the transfer. You will need your new Freedom Mortgage loan number to create this account. With your Freedom Mortgage online account, you can make one-time payments or you can set up recurring payments.Twice a month (1/2 total payment) Every two weeks (1/2 total payment) Weekly (1/4 total payment) Choosing weekly or every 2 weeks will help you pay off your mortgage faster, because withdrawals in addition to the amount needed to cover your monthly mortgage payments will naturally occur 2 to 5 times per year. The additional withdrawn funds will ...Our mortgage payment calculator considers purchase price, down payment, interest rate, and term when it estimates your monthly payment. You’ll see these fields in the “Basic” …Payment method Time to pay off loan Total interest Total interest saved; $2,608 monthly: 30 years: $538,772: $0: $2,608 monthly plus one extra $2,608 payment a year: 24 years: $412,772: $126,000 ... Once you have your 10-digit Freedom Mortgage Loan Number, complete the form below. If your loan was just transferred to Freedom Mortgage from another servicer, please note that your previous loan number will not work in our system. Don’t Wait — Check Out These Resources for Help! If you're experiencing financial difficulties, we're here to help you. Call us today at 855-690-5900 to learn more about what Loss Mitigation programs may be available to you. The availability of Loss mitigation programs depends on your loan type and individual circumstances. Freedom Mortgage | A Top Mortgage Lender & Servicer ... Loading... ... We'll answer your questions and work with you, step by step, to make buying or refinancing your home easy and hassle-free. We'll also keep an eye on rates and let you know when you can lower your mortgage payments or get cash from your home's equity. We are proud to support Veterans, service members, and their families with our charitable work. Your debt-to-income ratio is the total of all your monthly debt payments, divided by your gross monthly income. For example, imagine your total monthly debt payments for a mortgage, plus your car loan, equals $1,500, and your gross monthly income is $5,000. This means that your mortgage debt-to-income ratio is 30%. ($1,500 ÷ $5,000 = 0.30 or …1% Down Payment Advantage. 3-2-1 Home Plus Program. Bridge home loan. BuyNow Advantage. Complete Rate program. Conventional mortgage. Doctor Program. Down payment assistance programs. Energy-efficient mortgage programs.You’ll be able to set up your new Freedom Mortgage online account five to seven days after the effective date of the transfer. You will need your new Freedom Mortgage loan number to create this account. With your Freedom Mortgage online account, you can make one-time payments or you can set up recurring payments.Call us: 855-690-5900. Monday to Friday, 8 a.m. to 8 p.m. Eastern Time Saturday, 9 a.m. to 2 p.m. Eastern Time. Login to your account to send your questions using our secured Message Center. Welcome to Freedom Mortgage! We specialize in VA, FHA, USDA , first time homebuyers, and conventional mortgage loans.Find an Agent. Connect with a local real estate agent through Freedom Homes partners. Save $1,000 when you buy a home. Save 1% of the purchase price on commissions when you sell a home. Learn More. Work with one Loan Advisor, supported by a dedicated loan team. $1,000 guarantee your loan will close on time.9 handy tips for first-time homebuyers. Read More. Mortgage application checklist. Read More. ... such as how you make your monthly payments – we will send you emails and letters that will explain what you need to do. Freedom Mortgage is the #1 VA lender, #1 FHA lender, and #6 residential lender in the United States. We service more than 1.25 ...Using our Mortgage Payment Calculator, you can crunch the numbers and discover how much you could save in interest, or how much you would need to pay each month to pay your loan off sooner. For example, according to the calculator, if you have a 30-year loan amount of $300,000 at a 4.125% interest rate, with a standard payment of $1,454, if you ...Pay anyone—your utilities, credit cards, even your landscaper. Payments are secure, and you can schedule a one-time or repeating payment while eliminating the need for postage. Depending on the type of payee, your payment will be made electronically (delivered in 1 or 2 days) or by paper check (delivered in 5 days).Send your payoff request via email or call one of our mortgage loan Customer Service Specialists. Please provide your mortgage loan number and the date through which the payoff statement is needed. [email protected]. 800.844.2400. Pay your mortgage loan however you choose amongst a wide variety of payment options …Download the Freedom Mortgage app to securely manage your mortgage account on the go. You can view your balance, pay your bill, set up recurring payments, and get … You affirm that you are the subscriber of the phone number(s) and email address or that the subscriber has authorized you to provide this consent. Your consent is not a condition of purchase of goods or services from Freedom Mortgage. You can revoke your consent at any time by contacting Freedom Mortgage at 855-690-5900. The calculator below estimates the amount of time required to pay back one or more debts. Additionally, it gives users the most cost-efficient payoff sequence, with the option of adding extra payments. This calculator utilizes the debt avalanche method, considered the most cost-efficient payoff strategy from a financial perspective. At Freedom Mortgage, the typical grace period is 15 calendar days after your payment due date. This means that the payment must be made by the end of the day on the sixteenth day from the due date, to avoid incurring a late fee. Specific information about your grace period can be found on your monthly billing statement. Generally, your lender expects you to make a payment on the first day of the month, unless you’ve opted for biweekly payments or you’ve agreed to split your payments up on the 1st and the 15th. This is true regardless of whether you’ve got a conventional loan, FHA loan, USDA loan or VA loan. The grace period, however, gives …Your debts are typically paid from your estate after you die. Before any assets can pass to your heirs, the executor of your estate will use your assets to pay off your creditors. However, with mortgage debt, the process is different. Unless someone is a co-signer on the loan or a co-borrower, no one is legally obligated to continue paying off ...The good news is that you can request that your lender remove PMI once the principal balance of your loan reaches 80% of the original value of the property. To request removal, you will need to submit a request, in writing, to your lender. You also, need to be current on your loan and have a good payment history to get your cancellation request ...We’re ready to support your mortgage experience. Find the fastest way to get in touch with our team. Loan Types. Calculators. Refinance. Buy a Home. Help Center. New Mr. Cooper Customer? ... For Payments. Mr. Cooper PO Box 650783 Dallas, TX 75265-0783. For Overnight Mail. Mr. Cooper 800 State Highway 121 Bypass Lewisville, TX 75067. Notice …Set up one-time or automatic payments in minutes. Secure. Feel confident that your information is protected. Everything for your loan. All in one place. MyLoans is a secure, …How to Set Up a One-Time Payment. Use your Online Banking account to make a one-time payment from any financial institution. Select “Additional” from the Online Banking …Complete these three easy steps and managing your mortgage gets that much easier. 1. Download our mobile app. 2. Create an online account —it takes just minutes. 3. Sign in to your account to set up electronic payments, go paperless, and activate account alerts.Pay your Freedom Mortgage bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. doxo is the simple, protected way to pay your bills with a single account and accomplish your financial goals. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app.Twice a month (1/2 total payment) Every two weeks (1/2 total payment) Weekly (1/4 total payment) Choosing weekly or every 2 weeks will help you pay off your mortgage faster, because withdrawals in addition to the amount needed to cover your monthly mortgage payments will naturally occur 2 to 5 times per year. The additional withdrawn funds will ...Nov 18, 2020 · —1 million borrowers are past due on mortgages and don’t have a forbearance plan— Mount Laurel, NJ – November 18, 2020 – Freedom Mortgage, one of the nation’s largest full-service non-bank mortgage companies and a leader in VA and government-insured lending, remains ready to assist struggling customers even if they’ve stopped making mortgage payments without an approved loan ... We’re ready to support your mortgage experience. Find the fastest way to get in touch with our team. Loan Types. Calculators. Refinance. Buy a Home. Help Center. New Mr. Cooper Customer? ... For Payments. Mr. Cooper PO Box 650783 Dallas, TX 75265-0783. For Overnight Mail. Mr. Cooper 800 State Highway 121 Bypass Lewisville, TX 75067. Notice …Please know there is a convenience fee of $3.00 associated with text payments. Auto-Pay. With Auto-Pay, you can set-up recurring payments to be automatically withdrawn from your bank account for no charge. Five ways Auto-Pay simplifies your life: Reduces time spent paying your monthly motorcycle payment. Reduces the money you spend on postage ... 404: Page missing. Click here to go to the homepage. NMLS Consumer Access. All in one place. MyLoans is a secure, fast, and easy way for you to manage your loan online. Enjoy 24/7 access to all your loan servicing needs, including recent loan statements, year-end tax statements, and custom notifications. Make a payment now, in the future, or automatically. Sign up for paperless statements to cut down on paper clutter. Mount Laurel, NJ – August 18, 2020 – Freedom Mortgage Corporation and RoundPoint Mortgage Servicing Corporation announced they have completed their previously announced merger. RoundPoint is now a wholly-owned subsidiary of Freedom Mortgage, one of the nation’s largest full-service mortgage companies and a leader in VA and … At Freedom Mortgage, the typical grace period is 15 calendar days after your payment due date. This means that the payment must be made by the end of the day on the sixteenth day from the due date, to avoid incurring a late fee. Specific information about your grace period can be found on your monthly billing statement. For more information on mortgage assistance, contact HUD’s Counseling Center: (800) 569-4287 ©2024 RoundPoint Mortgage Servicing LLC is a Washington Consumer Loan Company Licensee.I Paid RoundPoint Mortgage Servicing LLC. Via RoundPoint Online or Phone: If you submitted a payment to us online or by phone, please allow 1 business day for the amount to reflect on your account. Please note: It could take up to 3 business days for the funds to be withdrawn from your bank account. Via Check: If you mailed a payment to us ...Your debt-to-income ratio is the total of all your monthly debt payments, divided by your gross monthly income. For example, imagine your total monthly debt payments for a mortgage, plus your car loan, equals $1,500, and your gross monthly income is $5,000. This means that your mortgage debt-to-income ratio is 30%. ($1,500 ÷ $5,000 = 0.30 or …Mortgage forbearance is a temporary pause in your payments on your mortgage. Homeowners who request forbearance are often experiencing some sort of financial hardship that is temporary in nature. This might be the loss of a job, dealing with the impact of a natural disaster or an unexpected medical expense.We encourage you to apply. Come #SoarWithUs and be a part of the Freedom family! Freedom Mortgage Corporation 951 Yamato Road, Suite 175 Boca Raton, FL 33431 Lender NMLS ID: 2767 FreedomMortgage ...If your loan was paid in full or was transferred to ServiceMac on or after June 2022, please contact ServiceMac at 855-391-8340. This includes loans that were transferred to Mr. Cooper, powered by ServiceMac on or after June 2022. You can also access additional account information online at www.myMRCServiceMac.com. Complete these three easy steps and managing your mortgage gets that much easier. 1. Download our mobile app. 2. Create an online account —it takes just minutes. 3. Sign in to your account to set up electronic payments, go paperless, and activate account alerts. —1 million borrowers are past due on mortgages and don’t have a forbearance plan— Mount Laurel, NJ – November 18, 2020 – Freedom Mortgage, one of the nation’s largest full-service non-bank mortgage companies and a leader in VA and government-insured lending, remains ready to assist struggling customers even if …Create your Freedom Mortgage online account here! With an account, you can make a payment, set up recurring payments, view current statements, and much more. Call 855-690-5900 to ... If your loan was just transferred to Freedom Mortgage from another servicer, please note that your previous loan number will not work in our system. ...To make a one-time payment with Bill Pay, you simply need to have a Golden 1 checking account, then download our Mobile app. ... First Mortgage Payments: Golden 1 Credit Union P.O. Box 7168 Pasadena, CA 91109-7168. Call our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361).Pay anyone—your utilities, credit cards, even your landscaper. Payments are secure, and you can schedule a one-time or repeating payment while eliminating the need for postage. Depending on the type of payee, your payment will be made electronically (delivered in 1 or 2 days) or by paper check (delivered in 5 days).We encourage you to apply. Come #SoarWithUs and be a part of the Freedom family! Freedom Mortgage Corporation 951 Yamato Road, Suite 175 Boca Raton, FL 33431 Lender NMLS ID: 2767 FreedomMortgage ...Once you have these please call 888-810-7318 to speak with one of our Insurance Claim Specialists. We are available Monday through Friday, 8:00 am to 8:00 pm ET and Saturday, 9:00 am to 2:00 pm ET. Your claim check may include money for living expenses, the loss of your home’s contents, and the loss of personal property as well as repairs to ...90 days late. Once you’ve missed three payments. Your lender will likely send another, more serious notice, known as a “Demand Letter” or “Notice to Accelerate.”. It’s essentially a notice to bring your mortgage current or face foreclosure proceedings. The process and timeline for foreclosure varies from state to state.Jan 16, 2024 · Freedom received a score of 585 out of 1,000 in J.D. Power’s 2023 U.S. Mortgage Servicer Satisfaction Study. The industry average for servicing is 601. (A mortgage servicer handles loan payments ... Contact Us. Get started today by getting a personalized evaluation of your home loan options from Freedom Mortgage. 877-220-5533 I have been making this payment since January. Today I get a notice in the mail stating something about an escrow shortage or whatever and as of June 1, 2021, my new monthly payment is: $578.38 Principal & Interest $807.80 Escrow $331.30 Prorated Escrow Shortage $1,717.48 TOTAL. My monthly payments are going to increase by $750!I Paid RoundPoint Mortgage Servicing LLC. Via RoundPoint Online or Phone: If you submitted a payment to us online or by phone, please allow 1 business day for the amount to reflect on your account. Please note: It could take up to 3 business days for the funds to be withdrawn from your bank account. Via Check: If you mailed a payment to us ...Making extra mortgage payments can help pay off your mortgage early and save money on interest. Does prepaying make sense? Learn more from Freedom Mortgage. Enter your question or topic. Search; Contact Us. Buy & Refinance: 877-220-5533. Customer Service: 855-690-5900. Contact Us Page. ... Time to pay the off loan: 30 years: 24 years, 7 …Freedom Mortgage offers you the option to make a one-time payment or set up recurring payments through our mobile app. Simply download the app and login to your account …Navigate to the Chase website and sign in to your account. Click the “Pay and transfer” option. Click “Pay bills.”. Click “Pay from accounts” and then click “External accounts.”. Click on the non-Chase bank account that you’ll use to make your mortgage payment. When setting up an external account as a pay-from account, it ...The escrow company verifies that the borrower upholds the payment agreement and that the proper party receives payment at the right time. Many mortgage lenders use an escrow company to collect ... Pay anyone—your utilities, credit cards, even your landscaper. Payments are secure, and you can schedule a one-time or repeating payment while eliminating the need for postage. Depending on the type of payee, your payment will be made electronically (delivered in 1 or 2 days) or by paper check (delivered in 5 days). Pay anyone—your utilities, credit cards, even your landscaper. Payments are secure, and you can schedule a one-time or repeating payment while eliminating the need for postage. Depending on the type of payee, your payment will be made electronically (delivered in 1 or 2 days) or by paper check (delivered in 5 days). Use our Login Portal to sign into your Mr. Cooper Home Loans Account and access all the account features. You simply need your username and password.Make a one-time payment through our portal. We will not charge a fee, however, your financial institution may charge a fee. Have your e-mail, loan number or SSN & zip code ready. ... No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site or by calling 1-800-315 ...The next step is to call, e-mail, or write to the lender, bank, or loan servicer reporting the mortgage late on your credit report. Discuss the late payment with the representative and explain why you believe it is erroneous. This step can be quick and easy, or quite painstaking depending on how easy it is make your point and clear up the mistake.Generally, your lender expects you to make a payment on the first day of the month, unless you’ve opted for biweekly payments or you’ve agreed to split your payments up on the 1st and the 15th. This is true regardless of whether you’ve got a conventional loan, FHA loan, USDA loan or VA loan. The grace period, however, gives …Make loan payments from any bank or credit union! Freedom makes it easy to make a one-time payment or set up reoccurring payments from any bank or credit union. If you have any questions or would like help with this process, please call us at 1-800-440-4120, or email [email protected]. Don’t Wait — Check Out These Resources for Help! If you're experiencing financial difficulties, we're here to help you. Call us today at 855-690-5900 to learn more about what Loss Mitigation programs may be available to you. The availability of Loss mitigation programs depends on your loan type and individual circumstances. I Paid RoundPoint Mortgage Servicing LLC. Via RoundPoint Online or Phone: If you submitted a payment to us online or by phone, please allow 1 business day for the amount to reflect on your account. Please note: It could take up to 3 business days for the funds to be withdrawn from your bank account. Via Check: If you mailed a payment to us ...Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. To learn more, visit the Banking Education Center . For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback .Create your Freedom Mortgage online account here! With an account, you can make a payment, set up recurring payments, view current statements, and much more. Call 855-690-5900 to ... If your loan was just transferred to Freedom Mortgage from another servicer, please note that your previous loan number will not work in our system. ...Chances are that if you own a home, you’re making monthly mortgage payments. The typical mortgage is structured to make a single payment each month, for 12 payments per year. The good thing about this is it means you pay the same amount at the same time each month, so there are no surprises, and it’s easier to budget.Servicing Digital. Get back some of your precious time by managing your online account though Servicing Digital. What is Servicing Digital? Online account management made simple! Custom built for efficient self-service. Get insightful loan data, download mortgage documentation, make payments, and much more—all at the click of a button. Learn ... Once you have your 10-digit Freedom Mortgage Loan Number, complete the form below. If your loan was just transferred to Freedom Mortgage from another servicer, please note that your previous loan number will not work in our system. Twice a month (1/2 total payment) Every two weeks (1/2 total payment) Weekly (1/4 total payment) Choosing weekly or every 2 weeks will help you pay off your mortgage faster, because withdrawals in addition to the amount needed to cover your monthly mortgage payments will naturally occur 2 to 5 times per year. The additional withdrawn funds will ...That’s a long time for a single payment made 30-to-60 days late. You can start by paying off the account. If you’re less than 30 days late, you may even be able to call your lender and get it removed. If you’re over 30 days late, making the payment and the late fee won’t remove it from your credit report. It will likely show up on your ...The next step is to call, e-mail, or write to the lender, bank, or loan servicer reporting the mortgage late on your credit report. Discuss the late payment with the representative and explain why you believe it is erroneous. This step can be quick and easy, or quite painstaking depending on how easy it is make your point and clear up the mistake.9 handy tips for first-time homebuyers. Read More. Mortgage application checklist. Read More. ... such as how you make your monthly payments – we will send you emails and letters that will explain what you need to do. Freedom Mortgage is the #1 VA lender, #1 FHA lender, and #6 residential lender in the United States. We service more than 1.25 ...Freedom Mortgage offers you the option to make a one-time payment or set up recurring payments through our mobile app. Simply download the app and login to your account or create a new account if you haven’t …You make one payment on one loan; You can change other terms of your mortgage, like your interest rate; ... You can revoke your consent at any time by contacting Freedom Mortgage at 855-690-5900. Back. Next Submit. Cash out refinance credit scores. Find out the minimums for conventional, FHA, and VA loans.Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. To learn more, visit the Banking Education Center . For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback .How to Set Up a One-Time Payment. Use your Online Banking account to make a one-time payment from any financial institution. Select “Additional” from the Online Banking …Ways to pay down your mortgage principal faster 1. Make one extra payment every year. Paying just one additional principal payment on your mortgage a year can help take years off the life of your loan. This method reduces the total amount of interest you pay, while helping you fast-track your mortgage payoff.Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. To learn more, visit the Banking Education Center . For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback .You make one payment on one loan; You can change other terms of your mortgage, like your interest rate; ... You can revoke your consent at any time by contacting Freedom Mortgage at 855-690-5900. Back. Next Submit. Cash out refinance credit scores. Find out the minimums for conventional, FHA, and VA loans.To make a one-time payment with Bill Pay, you simply need to have a Golden 1 checking account, then download our Mobile app. ... First Mortgage Payments: Golden 1 Credit Union P.O. Box 7168 Pasadena, CA 91109-7168. Call our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361).

Jan 16, 2024 · Freedom received a score of 585 out of 1,000 in J.D. Power’s 2023 U.S. Mortgage Servicer Satisfaction Study. The industry average for servicing is 601. (A mortgage servicer handles loan payments ... . Code red weather warning

freedom mortgage one time payment

Servicing Digital. Get back some of your precious time by managing your online account though Servicing Digital. What is Servicing Digital? Online account management made simple! Custom built for efficient self-service. Get insightful loan data, download mortgage documentation, make payments, and much more—all at the click of a button. Learn ...Complete these three easy steps and managing your mortgage gets that much easier. 1. Download our mobile app. 2. Create an online account —it takes just minutes. 3. Sign in to your account to set up electronic payments, go paperless, and activate account alerts.Mount Laurel, NJ – August 18, 2020 – Freedom Mortgage Corporation and RoundPoint Mortgage Servicing Corporation announced they have completed their previously announced merger. RoundPoint is now a wholly-owned subsidiary of Freedom Mortgage, one of the nation’s largest full-service mortgage companies and a leader in VA and …If that happens, paying your mortgage by phone can ensure on-time payment. The phone number of your lender will be located online and on your monthly bill. The process is …Generally, your lender expects you to make a payment on the first day of the month, unless you’ve opted for biweekly payments or you’ve agreed to split your payments up on the 1st and the 15th. This is true regardless of whether you’ve got a conventional loan, FHA loan, USDA loan or VA loan. The grace period, however, gives …If these veterans are borrowing $200,000 to buy their homes, they will need to pay a funding fee of $3,000. (1.5% of $200,000 = $3,000.) You can pay your funding fee at closing or you can roll the cost of your fee into your loan and pay it over time. When you finance your funding fee into your loan, you will pay interest on its cost.Our mortgage payment calculator considers purchase price, down payment, interest rate, and term when it estimates your monthly payment. You’ll see these fields in the “Basic” … Look here for answers to your questions about escrow payments, mortgage insurance, insurance claim checks, payments, your Freedom Mortgage account, and more. Enter your question or topic Group 4 How to Find Your 1098 Form in Your Freedom Mortgage Online Account. Log in to your online account. Select "Documents" from the menu. (On mobile devices, this menu will appear as ☰.) Select “All Documents.”. If available, you can also navigate to "Tax Documents" on the left-hand menu. Click on the “Documents” drop down. Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. To learn more, visit the Banking Education Center . For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback .Schedule a one-time payment using chase.com or the Chase Mobile® app. This is the best way to ensure additional funds (e.g. principal, escrow) get applied correctly to your account. Set up a mortgage payment from another bank. If you want to make a payment from a non-Chase bank account, follow these steps:VA Home Purchases. Competitive VA interest rates. 0% down payments for many VA homebuyers. Minimum credit score as low as 550. No mortgage insurance. One-time funding fee for most Veterans. VA loan benefits can … Currently, the upfront fee is 1.75% of the loan amount. The monthly premiums depend on the mortgage’s term and other factors and often cost between 0.15% and .75% of the loan amount. You’ll also need to pay upfront and monthly insurance premiums when you refinance an FHA loan. If you received your current FHA loan within the past three ... To create a new account select Register Now from the Login page. You will need your ten-digit loan number to set up your account the first time, which can be located on your monthly mortgage statement or Welcome Letter. If you have trouble logging on, please contact our Customer Care representatives at 855-690-5900. The Florida-based mortgage company must pay a $1.75 million fine. The CFPB said Freedom provided real estate agents and brokers with numerous incentives — including cash payments, paid subscription services, and catered parties — with the understanding they would refer prospective homebuyers to Freedom for mortgage loans..

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