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Deciding when to refinance

Let's say for argument's sake that you know you could refinance if you want to (no sure thing for a lot of homeowners today) but you're not certain if you should . Enter A Financial Analysis of Consumer Mortgage Decisions , a new report by the Research Institute for Housing America and the Mortgage Bankers Association. It discusses various mortgage choices and when it makes sense to get what, including a refinancing. The authors' advice: Don't just consider interest rates. Look sharp at t

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