Mortgage rates have held fairly steady since the middle of last week.

A note, sent yesterday, from a reader named Matthew.

I have an article up today -- "Want to refinance? Know the details" -- in which I describe the Home Affordable Refinance program as confusing.

A reader named Cindy asks: "Are mortgage rates predicted to go down next week? What things should I be considering before going ahead?"

In response to my blog post from last week, "Theodicy and mortgages," Michael Hilmen writes about artificially high home prices.

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