| the remaining points over the life of the new loan, together with any points paid on the new refinance. Taxpayers who bought $1 million homes expecting a generous tax break could be in for a shock, said Michael Fratanponi, senior fha loan calculator of single family research and economics at the Mortgage Bankers Association. ``That's going to really bite,'' he said. Rising expenses send some homeowners borrowing from themselves to cover costs. But are borrowers burrowing in over their fha loan calculator Mortgage broker Teresa Simmons says the rising popularity of the second mortgage stems from customers clinging to rates they locked in when they capitalized on their fha loan calculator mortgages. "The second mortgage product is probably going to become more active in the marketplace because people aren`t going to be so willing to give up those fives, nor should they be, to get additional money and access the equity in fha loan calculator home," Simmons says. "They should take a look at the second mortgage products that are out there before they sacrifice those good rates that they`ve obtained." Nine tax experts, tasked with developing simpler and fairer tax laws, concluded that the deduction does more for wealthier | 1st advantage mortgage government loan minority **
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