The current refinancing wave might nearly have passed, but surveys indicate that plenty of Americans are eager to catch what's left of this one or grab the next.

Fannie Mae's 1993 National Housing Survey found that 14% of the more than 2,000 people it questioned are considering a refi. Roughly 31% have refinanced their mortgages in the past; 19% of all people questioned did their refi last year or this year.

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