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Nearly 10 million U.S. homeowners who are 65 or older still have a mortgage. And in three cities — Miami, Los Angeles and Sacramento, California — the percentage of such homeowners is especially high, according to a new LendingTree analysis. In fact, in each of those cities, nearly one-quarter of homeowners 65 and older have a mortgage. LendingTree analyzed U.S. Census Bureau data from the nation’…