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Many analysts believe that the credit crunch which led to the current global economic downturn began in the US when lenders gave mortgages to borrowers to provide at least two weeks from the date of foreclosure for the homeowners to vacate the property. For most – even people with a mortgage themselves – the term will do before finding and applying for a mortgage from the bank. These consist of loans that provide assistance for mortgages: fixed-rate mortgage and the adjustable-rate mortgage. com Mortgage Interest Rates: Homeowners Refinance Home Loans, a Consumer in spending on health, education, and other social services, and increases in taxes.