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Refinancing remains a crucial part of the mortgage news cycle, but there’s other important stuff going on, too. As the end of the summer draws near, here’s what you need to know. (And no, cooler temperatures do not hold any promise for a significantly cooler housing market. We’re sorry.)

1. Why are you (yes, you) still waiting to refinance?

Bankrate’s latest survey shows that 74 percent of Americans have opted out of refinancing, missing out on savings of $250 per month or more. As interest rates trend upward, the opportunities for savings will dwindle. Don’t miss out and leave money on the table. Consider refinancing while rates remain historically low.