| Freddie In the third quarter of 2005, the median ratio of old-to-new interest rate was 1.09. In other words, one-half of those borrowers who paid off business government loan minority 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. Years business government loan minority historically low interest rates have enabled Californians to save 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 |  |
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