"In recent weeks, mortgage rates have hit a record low with the current 30 year fixed rate at 4.00% and the 15 year fixed rate at 3.50%. With many borrowers making the move to take advantage of these rates, the decision of how much to refinance has changed from the days of the housing boom when everyone was taking cash out of their homes. Today, borrowers are lowering their mortgage interest rates via the cash in refinance."

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