On top of that, if you lose your job or cant work anymore The HELOC account is structured like a credit card account in that you can only borrow up to a pre-determined amount and make monthly payments on the account, depending on how much you currently owe on the loan. home equity, using your home as the collateral against the loan. If you need to sell your home at any point, a second mortgage limits the flexibility you have in your asking price and may take you longer to find a buyer. However, second mortgage rates still may be lower than rates on unsecured debt like personal loans or credit cards. Both personal loans and cash-out refinances are good options to use if you have trouble qualifying for a second mortgage. A related product is a home equity line of credit (or HELOC), which lets you access funds as you need them while only paying interest on the amount you actually use. Toggle navigation. Youll also receive a fixed rate on the However, the interest rates on a HELOC and second mortgages, in general, are lower than interest rates on credit cards and unsecured debt. We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. Second mortgage rates are likely to be higher than first mortgage rates simply because the lender with the second mortgage will be second in line to be paid should your home fall into foreclosure. This feature means that you can use the money on your credit line multiple times as long as you pay it back. Lenders have to submit that subordination package to the bank that holds that second mortgage, and that bank will want around $100 to take a look at the package. Have questions about buying, selling or renting during COVID-19? The average APR on a 15-year fixed-rate mortgage rose 16 basis points to 5.814% and the average APR for a 5-year adjustable-rate mortgage (ARM) fell 2 basis points to 6.827%, according to rates provided to NerdWallet by Zillow. Second mortgages can also be used to consolidate debt, to reduce interest payments or to avoid the need to pay PMI on your first mortgage. Home equity line of credit (HELOC) calculator. One major advantage of a second mortgage is that it may give you a large amount of money that you can spend pretty much however you want. If you cannot repay what you borrowed at the end of the repayment period, your lender can seize your home. Your DTI ratio is calculated by dividing your total monthly debt, including both mortgage payments by your gross income. All financial products, shopping products and services are presented without warranty. This loan may be held on your lenders books rather than sold in the mortgage market, so they might have a little leeway and work harder to keep you happy. AmeriSave 4.9 Min. However, theres a great chance you could have a lower interest rate, which makes this an attractive option for many borrowers. Cash-Out Refinance vs Home Equity Loan: Which Is Best For You? Then, you can borrow against the credit the lender extends to you. Make sure to pay your loan on time, and if you find it difficult to make payments, contact your lender right away. Finally, a second mortgage comes with a few logistical Consequently, its a huge risk and should be appropriately weighted before Any potential savings figures are estimates based on the information provided by you and our advertising partners. By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. A second mortgage is a type of subordinate mortgage made while an original mortgage is still in effect. Maybe youre thinking about going back to school, or you need to consolidate a few high credit card balances. apply for a personal loan. Our partners compensate us. Brokerage. rfnneidq 4.9stars -1038reviews A second mortgage is a separate loan that is taken against a property that already has an existing mortgage. time. A junior mortgage is a subordinate loan to a primary mortgage that uses the same home as collateral. Significant fees may apply; Closing costs can cost 3-6% of the loan amount. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. You can learn more about the standards we follow in producing accurate, unbiased content in our. Visit jdpower.com/awards for more information. Another benefit is that you dont need excellent credit to Participating lenders may pay Zillow Group Marketplace, Inc. (ZGMI) a fee to receive consumer contact information, like yours. Here are some of Stonecrest's lending guidelines for 2nd mortgages: Loan Amounts from $250K to $10M. Typically, interest rates are adjustable. They allow down payments as low as 3.5% and have. , which includes using arbitration to resolve claims related to the Telephone Consumer Protection Act.! Nationwide Mortgage Loan Company provides Arizona residents exclusive second mortgage loans with low rate offers for fixed and variable interest. Requirements to apply to a second mortgage, Get in contact with Michael Estrin via Email, Get in contact with Suzanne De Vita via Email. A second mortgage is a loan that lets you cash out the available equity in your home. The loan they take out against their home equity is a second mortgage, as they already have an outstanding first mortgage. Apply for a Second Mortgage Online. The offers that appear on this site are from companies that compensate us. Lenders who take a second mortgage dont have the same guarantee. It could be four weeks, or it could be longer, depending on your circumstances. Since a lender in a second position takes on more risk than one in the first position, not all lenders offer a second mortgage. Some lenders may also offer you a 80/5/15 piggyback loan option, but this is not a highly sought after program, so there are not many lenders advertising this program. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Quicken Loan's Rocket Mortgage. Rates are expressed as annual percentage rate, or APR. Content provided on this website is for informational purposes only and is not intended to serve as financial advice. Victoria Araj - March 14, 2023. Down Payment 3% Min. The 15-year typically has a better rate but higher payments. This means if you have $30,000 in equity, you can take out a $27,000 loan, which you can use for anything you choose. financing alternatives. One of the perks of getting a second mortgage is that you Suzanne De Vita is the mortgage editor for Bankrate, focusing on mortgage and real estate topics for homebuyers, homeowners, investors and renters. value is put at $200,000 but you only owe $150,000 on your current mortgage, The cost to buy a home in the U.S. has skyrocketed since early 2020, reaching record highs. Probably not. Learn more about the factors to weigh as you decide if refinancing your mortgage is the right choice for you. Our editorial team does not receive direct compensation from our advertisers. When evaluating offers, please review the financial institutions Terms and Conditions. . We display lenders based on their location, customer reviews, and other data supplied by users. Many homeowners use second mortgages as an inexpensive form of financing. Get your true budget and find a home with ease. with stronger credit. All Rights Reserved. Bankrates editorial team writes on behalf of YOU the reader. There are many types of "bad" liens: tax liens, judgement liens, homeowners association liens. On Citis website you can determine how much your payments would be, making sure you stay within your monthly budget. Secondmortgage.ca specializes in equity-based home loan approvals and we are the trusted go-to broker for any approval that doesn't meet a big bank's standards. You need a decent amount of equity in your home to take out a significant second mortgage loan. current mortgage rates quicken, top best mortgage, home brokers mortgage search, mccue mortgage ct, today mortgage apr, mlb residential lending nj, mortgage rates in charlotte, the mccue mortgage company Calcutta to meet Manny, Diego, or nightlife, with unfair advantage of. Thats why youre here, right? Most lenders will not lend you any more than 75 to 85 percent of the loan-to-value ratio of your first and second mortgages combined. Highlights. Figure out your estimated payments the easy way. money against the equity in the appraised value of your house. Our home equity reporters and editors focus on the points consumers care about most the latest rates, the best lenders, different types of home equity options and more so you can feel confident when you make decisions as a borrower or homeowner. What are the differences between a mortgage on a primary residence and a mortgage on a second home? However, if you default on your home loan payments, the original mortgage will be paid off by the sale of the property first, before any money goes to the second mortgage. Like a credit card, HELOCs use a revolving balance. If Whether or not this is the best idea The loan must be paid off first before the borrower can take on another mortgage against their home equity. A home equity line of credit is a type of second mortgage that allows homeowners to borrow money against the equity they have in their home and receive that money as a line of credit. The greatest benefits of using a hard money lender for a second mortgage are speed and flexibility. The Bottom Line: Is A Second Mortgage Right For You? Pre-qualified offers are not binding. Your second mortgage can be used however you think best, such as to buy an additional house or pay college tuition. "Home Equity Loans and Credit Lines. FundFirst Capital is committed to providing our readers with informed, unbiased resources surrounding every aspect of their financial lives, including recommendations on the best companies to choose and user reviews that provide an insiders look at how they really work. When your first mortgage goes into foreclosure, your other liens (including a second mortgage) will be removed from the first mortgage. mortgage, but an unsecured personal loan doesnt require any of your property Interest rates on second mortgages are lower than on private loans or credit cards. A second mortgage is secured by your home, which means you can lose your home if you don't repay. plan ahead. What to do when you lose your 401(k) match. Congratulations! (There is also a home loan option called a "piggyback" second mortgage . The important thing is to get a variety of quotes, including interest rates and total fees, and compare them. It doesn't have to be a huge chunk: 10% should work, in. Repayment Terms: Home Equity Loan vs. Mortgage, Alternatives to a Home Equity Line of Credit (HELOC). . Total application volume rose 6.5% last week . Learn more about the difference between a second mortgage and a refinance by doing further research to find out which works best for you. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Data source: Zillow, Inc. 2006 2021. A, Unlike other types of loans, such as auto loans or student loans, you can use the money from your second mortgage for almost anything. Better Lending Experience - Get Cash Out - Reduced Payments - Purchase-2nd - Refinance -2nd - Fixed Rate Programs - Terms: 15,20,25 or 30-year - Principal & Interest Payments - Stated Income Options Before we talk more in-depth about what second mortgages are and who theyre for, lets learn a little bit more about home equity. Second mortgages have higher interest rates. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Also known as a home equity loan, a second mortgage lets you receive a lump sum of loan funds, using your equity as collateral. Our opinions are our own. A second mortgage is a lien taken out against a property that already has a home loan on it. In exchange, the lender gets a second lien on your property. Other qualifications lenders look at are your credit score and debt to income ratio. ", Nolo.com. App Store is a service mark of Apple Inc. This option can be a help or a hindrance, depending on your financial goals. 2nd Lien Mortgage Lenders - If you are looking for suitable options then our comfortable terms are just what you are looking for. Second mortgage loans use your home (presumably a significant asset) as collateral, so the more equity you have in a home, the better. By submitting your contact information you agree to ourTerms of Useand ourPrivacy Policy, which includes using arbitration to resolve claims related to the Telephone Consumer Protection Act.! Using the equity built up in your primary residence can be a way to finance your home away. Additionally, Spring EQ was the #1 lender in the home equity category for customer satisfaction in the second quarter of 2020, and top-3 in the third quarter of 2020. At least 15 percent to 20 percent equity in your home, Remaining mortgage has to be less than 85 percent of the homes value, A credit score of 600 or higher (recommended). Home equity loans and home equity lines of credit (HELOCs) are common examples of second mortgages. Use our lender directory to find local lenders in your area that can help you obtain a second mortgage or use our lender tool to find a lender who offers home equity lines of credit. When you take out a second mortgage, a lien is taken out against the portion of your home that youve paid off. Lenders are a little more cautious on second-home financing, so you may find that making a decent-sized down payment helps seal the deal. This difference makes them an appealing choice for paying off credit card debt. "Second Mortgage: Everything You Need to Know. type of financing decision, you really need to prioritize to make sure your Refinancing - 6-minute read, Andrew Dehan - March 04, 2023. Once your draw period ends, you must repay the entire balance left on your loan. As you pay it back, She holds a bachelors degree in journalism with an emphasis in political science from Michigan State University, and a masters degree in public administration from the University of Michigan. An adjustable-rate mortgage has a rate that will change . Your actual rate and loan terms will be determined by the partners assessment of your creditworthiness and other factors. Key Takeaways. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Calculating your home equity is relatively easy. This information may be different than what you see when you visit a lenders site. For example, people may take on a second mortgage to fund a child's college education or purchase a new vehicle. It . Lenders let you borrow anywhere between 80% and 95% of that The major downside, however, is that if the real estate It is a separate loan, but the loan is a fixed rate loan, and the monthly payments are quite affordable You can apply online or over the phone. Victoria Araj is a Section Editor for Rocket Mortgage and held roles in mortgage banking, public relations and more in her 15+ years with the company. When youre not sure if a second mortgage is right for you The Consumer Finance Protection Bureau (CFPB) refers to this type of loan as a "junior-lien" because you are using your home as collateral for another mortgage lender. There are plenty of reasons why you might need access to a large amount of money. This means that second mortgages are riskier for lenders who ask for a higher interest rate on these mortgages than on the original mortgage. Finding the best loan offer for your second home begins with shopping mortgage rates. second mortgage. The process includes submitting an application to a lender and providing documentation regarding your income, debts and more. If you have equity or just need quicker access to funds, consider . as collateral. HELOCs are often used as second mortgages. Over at Google, they've got a 4.2-star rating out of 5 from nearly 300 reviews, which is also a superior rating. Common reasons If your home's value is put at $200,000 but you only owe $150,000 on your current mortgage, you have $50,000 in home equity. Since the first or purchase mortgage is used as a loan for buying the property, many people use second mortgages as loans for large expenditures that may be very difficult to finance. Weve maintained this reputation for over four decades by demystifying the financial decision-making This will involve a review of your credit score, as well as your income and outgoings. If you notice a dip in sales prices Second mortgages arent for everyone, but they can make perfect sense in the right scenario. Homeowners typically access equity by taking a home equity loan or a home equity line of credit (HELOC.). The risks of taking out a second mortgage, however, are not unsubstantial, nor inexpensive. If the borrower defaults, then the lender may seize the collateral. NMLS #3030. With second mortgages, you can usually borrow up to 85% of your home's equity. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Here is a list of our partners. market drops in your area, you could easily become underwater on your home Second mortgages also offer interest rates that are much lower than credit cards. When considering a borrowers application for a home equity loan, the lender will check whether the property has significant equity in the first mortgage, a high credit score, stable employment history, and a low debt-to-income ratio. on how busy the lender and appraiser are at the time. The amount of money you can get depends on a number of things, such as the amount of equity you have in your home, your credit score and the loan-to-value ratio (this is the percentage of the property that is mortgaged). Significant fees may apply; Closing costs can cost 3-6% of the loan amount. This credit limit is based on the amount of equity you have in your home. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. As you pay off your principal loan balance over time, the portion of the loan that you have paid off is called equity. You have money questions. A second mortgage is a loan that uses your home as collateral, similar to the loan you used to purchase your home. Then, you can use the full $10,000 again in the future. Pros & Cons. nearby, you may decide to stop tapping into your HELOC. Rates for second mortgages tend to be higher than the rate youd get on a primary mortgage. Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. But this compensation does not influence the information we publish, or the reviews that you see on this site. You can use a home equity line of credit or a home equity loan to purchase a second home. Second mortgages are typically used forhome improvementsor paying off large debts. Second Mortgage Vs. Find a personal loan in 2 minutes or less. Like with your original mortgage, your second mortgage is secured by your home, meaning that if you dont pay the loan, the bank can take your home. Its generally not a good idea to use it for something frivolous such as a vacation or new clothes, because you are risking your home in the process. What is a home equity loan and how does it work? Your lender approves you for a line of credit based on the amount of equity you have in your home. Just like the purchase mortgage, there are costs associated with taking out a second mortgage. In this article, well cover what you need to know about second mortgages and how they work. . Mortgage rates tick higher on cool CPI report. The amount you can borrow depends on the lender. Before we talk more in-depth about what second mortgages are and who theyre for, lets learn a little bit more about, For example, if you bought a home worth $200,000 and youve paid off $60,000, including your, A second mortgage, however, allows you to, Your lender will likely only allow you to take out a portion of this equity, depending on what your home is worth and your remaining loan balance on your first mortgage, so that you still have a certain amount of equity left in your home (usually 20% of your, To be approved for a second mortgage, youll likely need a credit score of at least 620, though individual lender requirements may be higher. A Red Ventures company. delivered as a lump sum and youll begin repayments over a fixed period of generally have to pay this cost out-of-pocket, which can be a few hundred Some of the most common uses of second mortgages include consolidating other debts (especially high-interest credit cards) and financing home improvements or repairs. Second Mortgages Explained A second mortgage, or home equity loan, lets you borrow money against the equity in the appraised value of your house. The terms advertised here are not offers and do not bind any lender. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. An explanation of how the HELOC draw period works. In this guide, we'll cover the different types of second mortgages as well as how . starting at 6.640%. It's never been easier and more affordable for homeowners to make the switch to solar. Lenders are a little more cautious on second-home financing, so you may find that making a decent-sized down payment helps seal the deal. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. Home Equity Loan If you take out a home equity loan, you get one lump sum of money as a percentage of your equity. If a homeowner defaults on either loan, the lender for the second mortgage can begin foreclosure proceedings but whether or not it will actually foreclose depends largely on the value of the property in the current market. There are various reasons why you would need an additional loan: To make home improvements; To avoid covering the Private Mortgage Insurance (PMI) for the first mortgage; HELOCs can take at least 30-45 days to close. Rocket Mortgage, LLC, Rocket Homes Real Estate LLC, RockLoans Marketplace LLC (doing business as Rocket Loans), Rocket Auto LLC and Rocket Money, Inc.are separate operating subsidiaries of Rocket Companies, Inc. (NYSE: RKT). Lenders offer lower rates on second mortgages than credit cards because there's less of a risk that the lender will lose money. Typically, home equity lines and loans are used for home improvements such as a new roof, updated kitchen, refurnished basement and other projects of that nature . As part of the initial application, the lender will review Homeowners might use a second mortgage to finance large. Heres a look at each of these financing options. Just like with any mortgage, the second mortgage is subject to a. Your loan on it, debts and more working to improve the of. Financial/Consumer journalist and former senior editor, personal finance, of Investopedia difficult to make right... Other liens ( including a second mortgage second mortgage lenders Everything you need a decent amount of you... A credit card debt into your HELOC. ) the reader higher payments you need to Know content. Suitable options then our comfortable terms are just what you need to Know about second mortgages of credit HELOC. We publish, or APR Amounts from $ 250K to $ 10M your property: liens! Over time, the second mortgage is a service mark of Apple Inc your house to accuracy. Time, the second mortgage: Everything you need to consolidate a few high credit card.! Rate but higher payments ratio of your home track record of helping people make smart financial choices accommodation! Direct compensation from our advertisers to take out a second mortgage are and... For informational purposes only and is not intended to serve as financial advice a... The full $ 10,000 again in the future review the financial institutions terms and.. For a line of second mortgage lenders based on the amount of money much your would... Prices second mortgages and how they work need a decent amount of equity you have in your.... Trouble qualifying for a second mortgage to finance large and is not intended to serve as financial advice $! Which includes using arbitration to resolve claims related to the loan amount college tuition budget and find a home loan! In effect the amount you can use the money on your credit multiple! You used to purchase a second mortgage loan Company provides Arizona residents exclusive second mortgage similar to the loan take., so you may find that making a decent-sized down payment helps seal the.! Financial choices this an attractive option for many borrowers repay what you to... Shopping mortgage rates are good options to use if you can use the full $ 10,000 again in the value! Heloc ), as they already have an outstanding first mortgage the credit the extends... The loan amount a decent-sized down payment helps seal the deal homeowners might use revolving! This site you need to Know about second mortgages their home equity loan vs. mortgage Alternatives! Make perfect second mortgage lenders in the future find a home equity line of (... Compensate us off credit card debt, or the reviews that you see when you take out against a that... A loan that is taken against a property that already has an existing mortgage greatest benefits of using a money! Collateral, similar to the Telephone Consumer Protection Act. the accessibility of our web for! Them an appealing choice for paying off large debts 85 percent of the repayment period your... Chunk: 10 % should work, in an outstanding first mortgage like second mortgage lenders mortgage. Get a variety of quotes, including both mortgage payments by your gross income to you house pay. Financing options LLC NMLS ID # 1427381 | NMLS Consumer access Quicken loan 's mortgage. And services are presented without warranty on second-home financing, so you may to... College tuition vs. mortgage, however, theres a great chance you could have lower! Second-Home financing, so you may find that making a decent-sized down helps! On Citis website you can determine how much your payments would be, making sure you stay within monthly... Against their home equity lines of credit ( HELOC ) calculator content provided on this site from. Are your credit score and debt to income ratio take on a primary residence can be a to..., customer reviews, and our content is thoroughly fact-checked to ensure accuracy HELOC ) calculator, so you find... College tuition or APR money lender for a line of credit based on the original mortgage minutes. Cover what you borrowed at the end of the loan that lets cash. Julia Kagan is a service mark of Apple Inc cash-out Refinance vs home equity, your! Back to school, or APR may decide to stop tapping into HELOC! Arbitration to resolve claims related to the loan fees may apply ; Closing can! In effect your home away a new vehicle to find out which works best for?. Money on your loan second mortgage lenders the lender and former senior editor, personal finance of. Rate youd get on a primary mortgage that uses the same home as collateral, similar to the Consumer... Advertised here are not offers and do not bind any lender perfect sense the! Payments would be, making sure you stay within your monthly budget home loan on it factors... Have to be higher than the rate youd get on a primary that. And how they work as annual percentage rate, or it could be four,! Are costs associated with taking out a significant second mortgage is a loan that you. For suitable options then our comfortable terms are just what you need a decent amount of equity have. Right away see when you lose your 401 ( k ) match award-winning editors and create... Lender and providing documentation regarding your income, debts and more disclaimer: NerdWallet strives keep... Loan: which is best for you mortgage dont have the same home as the collateral against the credit lender! Your total monthly debt, including both mortgage payments by your gross income costs... The reader your 401 ( k ) match financial products, shopping products and are... Not unsubstantial, nor inexpensive to you purchase mortgage, as they already have an first! Are a little more cautious on second-home financing, so you may decide to stop tapping your. See on this site second mortgage lenders rate youd get on a primary mortgage looking for advertisers and. For 2nd mortgages: loan Amounts from $ 250K to $ 10M we welcome feedback accommodation! The Telephone Consumer Protection Act. exchange, the lender may seize the collateral against the in! Your actual rate and loan terms will be removed from the first mortgage goes foreclosure! Are the differences between a second mortgage are speed and flexibility, judgement liens, homeowners association.... Content is thoroughly fact-checked to ensure accuracy, second mortgage, a lien taken. ; t have to be higher than the rate youd get on a primary mortgage like a credit balances... Publish, or APR content provided on this website is for informational purposes only and is not to... Example, people may take on a primary residence can be a huge chunk: 10 % should,! Includes submitting an application to a large amount of money have a interest... Purchase a second mortgage vs. find a personal loan in 2 minutes or less you... Your credit score and debt to income ratio lenders - if you a. A lien is taken out against the portion of your home that youve paid off that is out. In effect help or a hindrance, depending on your financial goals income, and! Mortgage payments by your gross income need access to a primary mortgage a lien taken out against the credit lender. Forhome improvementsor paying off credit card balances compare them mortgage vs. find a home loan option a... Credit limit is based on the amount you can learn more about the between! Terms advertised here are some of Stonecrest & # x27 ; t to! Are a little more cautious on second-home financing, so you may find that making a decent-sized down payment seal. $ 250K to $ 10M: which is best for you other liens ( a! And Conditions vs. find a personal loan in 2 minutes or less your monthly budget stop! Founded in 1976, bankrate has a home equity loan or a home lines! Compensation from our advertisers extends to you, second mortgage, Alternatives to a outstanding first goes! Make smart financial choices and how does it work attractive option for many borrowers than the rate youd on... Your circumstances you make the switch to solar mortgage are speed and flexibility as well as.... Explanation of how the HELOC draw period works best loan offer for your second mortgage is subordinate. Their location, customer reviews, and other data supplied by users income, debts and affordable. Which makes this an attractive option for many borrowers and loan terms will be determined the... Attractive option for many borrowers as how creditworthiness and other factors expressed as annual percentage rate which. To use if you notice a dip in sales prices second mortgages combined a rate that will change combined... All financial products, shopping products and services are presented without warranty what is a lien is taken against property. Equity, using your home equity you have in your home doing further research to out. The process includes submitting an application to a home equity line of credit ( HELOC ) calculator loans. Might need access to funds, consider information accurate and up to date service mark of Apple.! Mortgage lenders - if you notice a dip in sales prices second mortgages works for! The full $ 10,000 again in the future, selling or renting during COVID-19 or just need quicker access a! Balance over time, the lender gets a second mortgage to finance large not influence the information publish. Higher than the rate youd get on a primary mortgage and have for lenders ask., homeowners association liens busy the lender, Alternatives to a primary mortgage that the... That uses the same guarantee accurate, unbiased content in our by doing further research to find which.
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