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statistics from the National Association of Home Builders. ``Changing it isn't going to decrease homeownership,'' she said. ``It may help expand homeownership to low- and middle-income people who can't take advantage of it now.'' In delaware home mortgage rate third quarter of 2005, 72 percent of Freddie Mac-owned loans delaware home mortgage rate were refinanced resulted in new mortgages with loan amounts that were at least five percent higher than the original mortgage balances, according to Freddie Mac’s quarterly refinance review. This share is unchanged from the second quarter of 2005. A VA loan is a mortgage loan in the United States guaranteed by the Veterans Administration. The loan may delaware home mortgage rate issued by qualified lenders. The VA loan was designed to offer long-term financing to American veterans or delaware home mortgage rate surviving spouses (provided they do not remarry). A promissory note is a contract detailing the terms of a promise by one party (the maker) to pay a sum of money to the other (the