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The Wall Street Journal Prominent Debt Counselor Has Payday-Loan Ties 9, the average rate on a 30-year fixed-rate mortgage was 3.73%, its lowest since May 2013, according to If mortgage rates continue to fall, refinancings could pick up. The real test for the mortgage market comes in the next few weeks. Application volume was the highest since August 2013, driven mostly by refinancing.
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9 from the previous week and 30% from a year ago, according to data from the Mortgage Bankers Association. Mortgage applications rose a seasonally adjusted 49% in the week ended Jan. The moribund mortgage market sprang back to life this month after a drop in interest rates to levels not seen in almost two years sent borrowers rushing to lock in cheaper loans. The Wall Street Journal A Surge in Mortgages Hold times will average 30 minutes-even longer during peak times, she said. This year, fewer than half of callers will get through, perhaps as few as 43%, Ms. The agency’s best year for service was in fiscal 2004, when it answered 87% of calls from taxpayers, and hold times averaged 2.5 minutes. The IRS handles about 100 million phone calls a year and processes 150 million returns by individuals. Koskinen also said expected wait times for callers are “unacceptable to all of us.” He noted that people who file paper returns could wait an additional week or longer for their refunds. Warned in an email to employees this week that budget cuts could lead to delayed refunds for some taxpayers.