Oct. 27, 2005 - Mortgage Trends

With interest rates rising, the mortgage industry is preparing for a slowdown that
may prompt some lenders to merge with competitors. Consumers may be winners
during this time, however, as lenders cut loan fees or, in some cases, offer lower
mortgage rates to attract business.

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http://www.planetrealtor.com/florida/news/daily/news.cfm?article=n4-10272005