The real estate and mortgage markets have gone through massive changes in the past few years, and Joe Kelly, president of ARC Loan, explains how to get the best deals in this new world. In this interview, Kelly discusses trends in mortgage rates, home values and closing costs. He also discusses how people can refinance their mortgages to lower rates under the federal HAMP and HARP programs. Kelly also discusses FHA programs which allow people to buy homes with small down payments. If you are thinking of buying a home or refinancing your mortgage, listen to this interview so you can get the bes
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