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Don't look now but mortgage rates are really, really low - practically at record low levels. Homeowners who still have adequate equity might want to jump on this and refinance one more time. Or start using their home equity line again. Or switch to a fixed-rate loan. Or give up on their plans to pay off their home quickly and stretch it out as long as possible. It's all good news for homeowners (and would-be homeowners), especially because some new federal rules are kicking in which should provide some added protection to mortgage consumers.
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