21.   DeKaser said consumers routinely pay off car loans and credit-card debt by refinancing their mortgages.

22.   Even as people are postponing many other financial decisions because of widespread uncertainty, they are overwhelming banks with requests to refinance their mortgages.

23.   Even though mortgage rates have yet to decline sharply, the number of consumers refinancing their mortgages is way up.

24.   Falling mortgage rates are prompting more Americans to refinance their mortgages.

25.   Falling rates are also spurring homeowners to refinance their mortgages.

26.   Falling rates are spurring homeowners to refinance their mortgages.

27.   Expecting redemptions of mortgage-backed securities because the underlying mortgages are being refinanced, managers are buying Treasury securities to fill potential openings in portfolios.

28.   Forty percent of all mortgage applications lately are from home owners who are refinancing existing mortgages to lower their monthly payments and thus free up cash for other purposes.

29.   He said he had become aware of the problem when he decided to refinance the mortgage on his home in Sheepshead Bay several years ago.

30.   Homeowners wanting to refinance their mortgage may apply for the program only if Fannie Mae has purchased their loan from their lender.