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  1. cw…it officially began last December. The NERB came out a few weeks ago and they are the arbitrers (sp) of such things.

    Anybody who can predict rates can get a job working for any firm on WallStreet and write their own paycheck

  2. Can someone who knows how mortgages work tell me when/if I should expect mortgage rates to react? I think I should be refinancing if the 30 year fixed falls under 5%, but I’d really rather not deal with any of this under after year end. I have that time, right?

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