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I feel that you are wrong although the cnmoemts you make do make sense but it depends on the home te amount youMortaged, I have ones a home for 7 years and have refinanced twice and have a total of 170 thousand that I've invested elsewhere from what I've made on my home. I never refinance up to the true value alwayLeave enough that if I sold I can still make a profit, in the end it's my home, also another way I've benefited , through renting out the basement. A home is a big investment. Location location location!!!