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There's so many possible answers to that question it's virtually impossible to answer. The best answer I could give to a new home owner or investor would be, "Check out the Somersoft forums."

Usually only one offset account is required, but the ability to have one per loan account within the same package is very useful. Most borrowers wouldn't need it though. What is useful is the ability for the offset account to have multiple sub-accounts. This way people can have their...