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Most people refinance when they have equity on their home, which is the difference between the amount owed to the mortgage company and the worth of the home. Yesterday’s Baby Boomer housing appetites got us stuck; it’s time to get out or settle in for the long haul. Many Boomer families will simply downsize.

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The latest evidence came in reports Monday that sales of previously occupied homes rose solidly in October and that builders are more confident. housing market would mean more jobs, especially in.

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