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Interest rates are at all time lows, and this is sparking many people to refinance their mortgages. The general rule of thumb is that if you can reduce your APR by 1%, then it would benefit you to refinance. The reason for this is the high cost of refinancing.
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Because of the credit crisis, there have been many changes in the mortgage market of late. People that were qualified previously are being denied loans, and many that are still qualified are finding that they are having to pay more for the same loan that
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