Credit: Realtor Beth Byrne signs papers to refinance the mortgage on her own home with attorney Donna Wolf whose business is 90% real estate closings. Byrne is getting a 4.875% rate down from her current 6.25% rate - and got the loan through her company's Executive Mortgage Banker Susan Kelly, right. They both work for William Raveis real estate agency. (Photo by Melanie Stetson Freeman/The Christian Science Monitor via Getty Images)

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