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Today's News Stories from Bankrate.com®:

How to use the mortgage calculator

How to make the most of employee benefits

Mortgage rates at new record low

7 reasons why you should refinance

7 easy ways to overcome debt denial

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Today's Rates:

Mtg Loan

Rate

APR

30-yr Fixed	4.54%	4.69%
15-yr Fixed	4%	4.21%
1-yr Adj	3.64%	4.52%

* national averages

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