61.   People who refinanced their mortgages last year, for example, realized they would have fewer deductions this year, Liro said.

62.   Several web sites, such as Bankrate.com, offer free calculators that can help you get an idea of how much you can save by refinancing your mortgage.

63.   She also encouraged people to consider whether they should be driving a less-expensive car and whether they should refinance their mortgage.

64.   Some homeowners are rushing to lenders to refinance their mortgages.

65.   Stable rates reduce the risk that more homeowners will rush to refinance the mortgages, prepaying the bonds.

66.   Still, mortgage rates are at such low levels that homeowners may not be able to pass up refinancing their mortgages.

67.   Some traders said they were perplexed that consumers had not rushed to refinance their mortgages at new, low rates.

68.   Subprime loans allow people with bad or no credit histories to raise funds by refinancing their mortgage.

69.   The administration says this is like refinancing a mortgage.