id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3540	McClatchey, Christine	Refinance, pay additional principal, or recast? A home borrower’s dilemma	2023	13	.pdf	application/pdf	6993	300	61	Since their peak in 1982, mortgage rates have followed a downward trend which explains why ALT-1 received so much attention over the past three decades. This complex decision depends on a borrower’s individual circumstances, the forecast for future mortgage rates, lender-specific rules and requirements, and consideration of future changes to the U.S. tax code.	cache/fsr-3540.pdf	txt/fsr-3540.txt