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How is it that, eight years after the financial crisis, there are 549,000 homes<\/a> currently in some stage of foreclosure?<\/strong> A recent study<\/a> found that 20 percent of American households should have refinanced in 2010, but did not. Potential loss: $45,000 over the lifetime of the loan. Another<\/a> study found that 25 percent had interest rates more than two percent<\/em> above the current market and that such costly mistakes especially affected those with less education or lower incomes.<\/p>\n