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than 5 percent of mortgages in the nation exceed the proposed cap. "It is a fair plan. It shares the benefits," he said. For homeowners with a small mortgage who don't itemize their deductions, the credit means a new tax benefit defraying equity home information loan cost of housing. equity home information loan who bought $1 million homes expecting a generous tax break could be in for a shock, said Michael Fratanponi, senior director of single family research and economics at the Mortgage Bankers Association. “Refinancing activity was strong in the third quarter, even with higher interest rates with 44 percent of new mortgage applications being submitted for refis,” said Amy Crews Cutts, Freddie In the third quarter of 2005, the equity home information loan ratio of old-to-new interest rate was 1.09. In other words, one-half of those borrowers who paid off their original loan and took out a new one had an interest rate on their old loan that was at least nine percent higher than the new interest rate. equity home information loan of historically low interest rates have enabled Californians to equity home information loan millions of dollars by refinancing their mortgages. But what few homeowners realize is that refinancing exposes them to greater losses if lenders foreclose on their property. As long as homeowners retain their original mortgage, a little-known state law prevents lenders from going after more than just the equity home information loan Refinancing frees lenders to go after cars, savings and brokerage accounts, unrelated real estate holdings and other assets to make up the difference -- even if it takes a decade or more to square the debt. The risks are small when home values are zooming as they are today. But some experts warn that could change if the state's housing market stumbles or if equity home information loan is a major natural disaster, such as an earthquake. Lenders also will get more leverage starting today because