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    If You Think You Get , Then This Might Change Your Mind

    What You Should Know About Refinancing Mortgage rates in the United States have fallen to historic lows after years of stagnation, allowing many homeowners to contemplate refinancing. Rates of 3% on a 30-year loan and 2% on a 15-year fixed rate appear reasonable, especially given recent increases. Not all homeowners should take advantage of the historically low interest rates available today. Borrowers contemplating a refinance should take into account more than just the monthly savings when making their decision, including the total cost of the mortgage, the borrower’s present equity in the property, and other factors. Despite near-record low interest rates, homeowners may need to take additional steps to cut…