81.   U.S. homeowners are refinancing their mortgages and taking out new loans at a record pace, pouncing on the lowest borrowing rates in four years.

82.   Training costs are prohibitive, and the Lipinskis have had to refinance their mortgage.

83.   U.S. mortgage rates continued to fall this week, reaching their lowest level in almost two years and giving consumers continued reasons to buy houses or refinance their mortgages.

84.   What if you refinanced your mortgage?

85.   When interest rates decline, he said, homeowners refinance their mortgages and companies pay off outstanding bonds to refinance at lower rates.

86.   When Tracy Helser refinanced the mortgage on his Berkeley, California home in July, he suspected interest rates might be hitting bottom.

87.   When you refinance your mortgage and pay points, you must spread those points over the new life of the loan.

88.   Whitman frequently has likened the bond sale to refinancing a mortgage at a lower interest rate.

89.   Will consumers take advantage of these rates to buy new homes and refinance old mortgages?

90.   With lower interest rates, homeowners can refinance mortgages and stand to see their homes appreciate in value.