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pooling loans into mortgage-backed securities for gmac mortgage michigan into the secondary mortgage market. Verification of employment (VOE) “Also, in the third quarter of 2005, homeowners who refinanced their fixed-rate mortgages lowered their interest rate an average of 0.57 percentage points. On an average loan size of $150,000, that lower rate translates into a payment that is about $55 a month lower for a savings of more than $660 annually,” said Cutts. “This same time last year, borrowers who gmac mortgage michigan lowered their interest rate by an average of 0.72 percentage points. As mortgage rates increase, the borrowers who have gmac mortgage michigan incentive to refinance will largely be those seeking to exchange home equity for cash or those who are hitting the adjustment period on their adjustable-rate mortgages.” "That's going to really bite," he said. Under the Torrens title registration gmac mortgage michigan of land ownership registration, mortgages and easements are recorded on the title at the central registry, so that any buyer knows for certain whether a block