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The Money Store - Too Good to Be True?

We were just quoted a rate of 4.625% (5.125 APR) for a investment
property refinance with a cash out from the money store. the closing
costs are around 8% but the monthly P&I is very low, only $396!

Has anyone worked with The Money Store? Are they legitimate? Any
problems? ANY HELP AND/OR INSIGHTS GREATLY APPRECIATED!!

Thanks!

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