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Europe's crisis turns into US homeowners' gain

The debt threat of  Greece and other European countries that triggered financial turmoil for investors, and banks there has turned into a boon for U.S. Homeowners. Long-term mortgage rates have hit the  lowest levels of the year, setting off a spate of mortgage refinancing activities according to industry experts.

Investors seem to be more interested in making dollar-based investments including U.S. Treasuries, as they feel  Euro-based securities are riskier.  Even as a potential U.S. default looms, the odds seem lower than a default in Europe.  For homeowners looking to refinance their mortgage, there are many exciting bargains available and the average rate on a 30-year fixed mortgage had fallen to just 4.54 percent. The refinancing options are helping homeowners to lower their monthly payments and save a bit more cash  to pay bills.