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Suggests that it is not too late to refinance a mortgage, even if a person missed the very low rates, as of November 1998. The question of whether it makes sense to refinance; The benefit of short-term mortgages; The change in the cost of several products, including electricity and condominiums; Why most refinancers will choose a no-points loan.

Summarizes loan rates in different parts of the United States as of May 1999. Rate and description at lenders in New York, New York, Atlanta, Georgia, Chicago, Illinois, Phoenix, Arizona, and Los Angeles, California; National averages on 30-year mortgages and other loans.