11.   Financial advisers recommend that recent graduates consider refinancing their loans to take advantage of the new low rates.

12.   Higher rates mean fewer applications to refinance loans.

13.   Ideally, Vivendi would probably want to refinance those loans.

14.   If the Japanese group does not want to refinance the loan, CDL and the prince have agreed to pay off the mortgage in its entirety.

15.   If homeowners refinance their loans, ARMs investors get their money back early and have to reinvest at lower rates.

16.   If you have refinanced the loan, your other assets are fair game.

17.   Interest payments on home equity loan bonds could be interrupted if homeowners refinance these loans when interest rates decline, delivering principal back to investors earlier than anticipated.

18.   Investors in mortgage-backed securities face the risk that lower rates will prompt more homeowners to refinance the loans that make up those bonds.

19.   Investors in the mortgage bond market, meantime, expect the drop in rates to prompt few homeowners to refinance the loans backing their securities.

20.   It expects to refinance the loan by the end of September.