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BTW the next recession will be from inflation which busts the housing market not the busted housing market. Refinancing to get a lower interest rate on a home loan results in lowering a monthly payment. But it does mean that your figure is way off - you can live like a middle-class family of the 1950s for far less than you can live like a middle-class family of 2000.
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Please read the prospectus, which contains detailed investment information and is available from your dealer, before investing. The rate on a payday loan may be 500% per year or more. Try computerized mortgage shopping and online services.
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