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Hello 2009!!!
Well here we are, about to say goodbye to 2008.  One of the worse economic, financial, and housing markets on record.  With that said though, it's more about out with the old and in with the new.  Perhaps a bit of hope wouldn't hurt either.  Hope that the financial slide slows or stops altogether, hope that job numbers turn around, and lenders open up their billions they seem to be getting of our tax payer money.  Not everything is as bleak  as it may seem at the beginning of this, it's just been a tough year on so many levels.  
So where do turn for 2009? Depending on where you are in your own situation there are some things that are good.  If you're looking to save on your house payment then it may be time to refinance (refi) your mortgage.  The one good thing that is seemingly coming out of the latest bail out is mortgage rates have come down, some near 5 1/4%.  Depending on who you talk to some lenders, and others in the mortgage markets, say that if you can save 1% on your mortgage that's not bad.  If you can save 2% or more then it ... more

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