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the mortgage market has become very volatile lately, with many subprime lenders running into enormous trouble. Many Americans are seeing their mortgage payments soaring because of the adjustable loans they got into in recent years. Keith Kelly, president of 800modifyme.com, explains a different kind of mortgage where the interest rates and payments only go down and can never go up amd can save you thousands of dollars in points and closing costs. Additional guest info: Keith Kelly has been in the mortgage business for over 20 years. He has been an innovator and pioneer in providing unique lo
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