Many are paying interest rates well below today’s.

Mortgage rates are still high, but some real estate agents have been citing an old refrain: “You can always refinance.” Except, others say, when you can’t

So far, that hasn’t had a chilling effect on applications.

After a pause, HELOCs could regain popularity if mortgage interest rates rise.

With mortgage rates around 3%, many of those who might benefit the most from refinancing and reducing their monthly payments aren’t able to.

Rising values have given homeowners a lot more equity, which they can tap for cash. They gained $1 trillion in the second quarter.

Many people may have already locked in ultra-low mortgage rates over the past year.

A new “adverse market fee” kicked in this week, despite declining interest rates.

The hassle isn’t the only thing stopping them.

The Fannie Mae and Freddie Mac-backed “adverse market fee” drops on Sept. 1.