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Consumers are optimistic about the prospect of mortgage interest rates continuing to drop, which could pump life into a stagnant housing market, according to a monthly consumer survey by Fannie Mae. In December, a survey high 31% of consumers indicated they expect mortgage rates to go down, while 31% predict they will go up and 36% expect them to remain the same. Consumers are still pessimistic about homebuying conditions, but 17% indicated it's a good time to buy a home, compared to 14% in Nove

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