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Hi Patricia- Happy Sunday! Nathan with SOFI. ALL great news. Loan works easily. An appraisal should NOT be needed. Have the loan structured as follows Loan amount: 50k / Term: 20 YR / Rate: 6.69 fixed / Payment: 378 / net cash to you at closing: est 48k . Let me know any questions or if you wish to move forward.For help, reply HELP. To opt out, reply STOP.