I just off the phone with a very established and worthy borrower.  She said she wants to reduce her low interest rate from 2003 to a lower rate for 2009.  Plus, we are going to pay off a 7.5% HELOC she used to build an addition last year.  Her monthly savings will exceed $500!

I have to believe she is the tip of the iceberg with mortgage note rates under 5.0% in many cases.  Man your phones mortgage brokers, news travels fast!

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