Article: Poor, minority homeowners pay more to refinance; They carry more subprime loans, ACORN says.(BUSINESS)

Byline: Chris Serres; Staff Writer

A disproportionate number of minority and low-income homeowners in Minneapolis have refinanced their mortgages with high-cost loans, according to a study released Tuesday by a national consumer group.

Minority homeowners in the city during 2002 were 6.2 times more likely than white homeowners to refinance their mortgages with subprime loans, which carry higher interest rates and fees than conventional loans, according to the Association of Community Organizations for Reform Now.

Low-income borrowers, regardless of ethnicity, were 5.1 times more likely to refinance with subprime lenders than upper-income ...

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