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Reverse Mortgage Pitfalls: Truth Or Dare? Reverse mortgage pitfalls are very real and is something you need to take very seriously when considering this type of loan. Refinance Mortgage Rates? The Time Has Come. Refinance mortgage rates. The time has finally arrived. You're in a situation where, because of the high cost of current interest rates, a need to extend your payment time frame, or even something else that concerns the investment you've made in your property, you're searching for the best opportunity to find rock-bottom rates that allow you to maximize your ability to pay your mortgage wisely and on time and.