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The wasted 4.44% mortgage rate – FORTUNE — It appears even the bright spots of this tired economy are still working against heavily indebted homeowners. Mortgage rates have hit new lows nearly every week, but many borrowers are.

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Prices are low! Mortgages cheap! But you can’t get one – Another factor keeping people out of the mortgage market is that lenders now require much more up-front cash. president of the National Association of Mortgage Brokers. "It’s an unbelievable.

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Several lenders climbed the mound to pitch an offer, with SunTrust Bank ultimately sealing the deal with a seven-year loan featuring a long-term rate in the ballpark of 3.5 percent with an option to.

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