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Especially lately, information about mortgage refinancing is heard everywhere. Mortgage rates are at a near all time low across the country and look to stay pretty much the same throughout 2009.

In our current economic mess, people all over the country are finding it very difficult to get home mortgages! Why is this? Well, after Fannie Mae and Freddie Mac went under, most banks suddenly tightened up their lending practices. When they did tha

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