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Mortgage rates have been all over the place this year, but recently have gone up. Homeowners who are able to refinance or modify their home loan when interest rates are lowest, stand to save the most money. Here are my mortgage rate predictions for 2009, and how I came to them:Although still considered low, right now mortgage rates for a typical 30 year fixed rate mortgage are around 5.19%. This is a little higher than earlier in the year when mortgage rates were 4.69% for the same loan....