Best way to buy my brother off the mortgage?

Best way to buy my brother off the mortgage? My brother and I bought a house together in 2019. We are at the point where we are going to separate. The deal was if one was going to buy the other out it would just be half the equity (which in about 100k). We are at 3% right now and after talking to the mortgage broker it would be 8% after a refinance with taking 100k out of the equity. I hav...

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