41.   Invest in the market, refinance your mortgage, check your bank statements online, compare insurance rates, or plan for your retirement.

42.   Lereah of the Mortgage Bankers Association said that the cut in interest rates would be a boon to the housing market and might also inspire consumers to refinance mortgages.

43.   Like homeowners refinancing mortgages, states and cities take advantage of low interest rates to refund bonds sold when rates were higher.

44.   Like a record number of other Americans, Cullinan is taking advantage of low rates to refinance his mortgage.

45.   Lower rates have prompted some clients to refinance their mortgages.

46.   Many homeowners refinanced mortgages, freeing billions of dollars for consumer spending that otherwise would have gone into their house payments.

47.   Locally, some homeowners taking advantage of low rates to refinance mortgages are being told by lenders that they will now have to buy flood insurance.

48.   Lublin, for example, recently refinanced a mortgage on his new home in Greenwich, Conn.

49.   Meanwhile, holders of debt backed by mortgages saw their principal delivered to them earlier than expected as homeowners refinanced their mortgages at lower rates.

50.   Mortgage bonds fared better than Treasuries as the higher yields eased concern that more homeowners would refinance their mortgages early.