31.   I could by refinancing the mortgage.

32.   If mortgage rates fell half a percentage point, a torrent of new capital would be unlocked for consumers who could refinance their mortgages or look for new homes.

33.   If you own a home, you may be able to lower your monthly payments by refinancing your mortgage at a lower interest rate.

34.   If you refinanced your mortgage to buy a boat, forget it.

35.   In addition, many homeowners refinanced their mortgages to take advantage of low interest rates late last year and have put their windfalls into new cars and trucks.

36.   In fact, you may have already missed your best chance to refinance your mortgage.

37.   In recent years, many Americans have been able to take out bigger auto loans because they have refinanced home mortgages, reducing their monthly payments.

38.   Investors saw their principal delivered to them earlier than expected as interest rates fell and homeowners refinanced mortgages at lower rates.

39.   It cost money to refinance a mortgage reflected by points, fees or a higher mortgage rate.

40.   It is falling interest rates that are troublesome to mortgage performance, as homeowners rush to refinance their mortgages at lower rates.