At my former bank, if the borrower DESIRED to pay off other debt that was NOT secured by the homestead property, we had the borrower sign a statement of that desire. The statement declared that the bank was not requiring the pay offs as a condition. However, we STILL paid the cash equity straight to the borrower OR if the borrower wanted to get it all done on the spot, we put the money in the borrower's account and then helped the borrower purchase bank checks (cashier's checks) for the pay offs.
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The more you sweat in training, the less you bleed in battle.......