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This web page bestbarriemortgages.blogspot.com states the following, "Is Rate All There Is? Beware of Rate Fixation." We saw that the webpage said " Here has been a lot of chatter surrounding low mortgage rates that were introduced by many banks early this year." It also said " But, its crucial to look beyond mere rates into the bigger picture surrounding whats important when it comes to your specific mortgage needs. Its understanding why these products may seem appealing. After all, not everyone feels. They have the extra cash to put down a huge lump-sum payment. And who needs a porta."