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Mortgage Rates Might Not Be Low for Long The near-record low mortgage rates seen during the past few weeks may not be around much longer.Signs of improving economic conditions could lead Federal Reserve Chair Ben Bernanke to raise key interest rates, driving up mortgage rates, says Stephen Stanley, chief economist at Pierpont Securities LLC.The evidence includes more consumers are paying their bills on time. Past-due accounts at American Express declined 34 percent compared to a year ago, and Target Corp. reported its lowest delinquency rate in two years during the second quarter.In another sign of economic improvement, fewer banks reported tightening
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