The national Bureau of Economic Research, Benjamin Keys, Devin Pope, and Jaren Pope say that housing constitutes two-thirds of the wealth of the typical household, so decisions about mortgages "can have substantial long-term consequences for household wealth accumulation." In a recent working paper from In particular, relatively small changes in the interest rate on mortgage loans can have greater impact on a household's monthly mortgage payments, and those changes can add up to considerable sums over a mortgage's typically long life. Mortgage interest rates is falling once again to near record lows, many continue on www.careinsure..com