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Today's News Stories from Bankrate.com®:

Don't overlook tax break of mortgage points

Tax tips for the unemployed

Is it time to lock your mortgage rate?

Paying down $29K HELOC balance due in 3 years

New rules for reporting capital gains, losses

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Today's Rates:

Mtg Loan

Rate

APR

30-yr Fixed	3.87%	4%
15-yr Fixed	3.16%	3.33%
1-yr Adj	2.78%	3.45%

* national averages

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