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The 15-year fixed rate averaged 3.64%, up 2 basis points from last week. The Mortgage Bankers Association reported a 7.3% percent decrease in loan application volume from the previous week. Bottom.

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Homeowners (55-plus) can tap into that equity through a reverse mortgage – without having to sell their home. Unlike a typical mortgage, a reverse mortgage does not have to be repaid until the house.

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