Signs like these are still a rarity across much of the country, as existing homeowners continue to hold off on moving to newer or bigger homes. Home price appreciation is slowing. Consumer sentiment.

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Mortgage rates haven’t moved much this week, or last week, or the week before that. In fact, for the average prospective borrower, there haven’t been any major changes since first making it down to.

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Suddenly, mortgage broker Mark Livingstone is working weekends and spending his meager free time reading resumes because he needs help handling the crush of refinancing applications. Rates for 30-year.

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The usual reasons to refinance are to reduce the monthly payment or to raise cash. The third option, which is under-appreciated, is to shorten the period of indebtedness. The third option is seldom.