Housing ends year on high note.  Fiscal Cliff talks were the primary influence on mortgages rates again this week.  White House Summit at the precipice of the 'Cliff'.  Pending homes Sales Highest since 2010 Tax Credit Expiration.  Mortgage rates for the year at lowest rate since 1947.  New Home Sales up 15.3% over last year, but inventories continue to decline.  Is the HARP program the only program that allows refinancing when underwater on your home?  Would you get your mortgage from a bank or a broker?  Interesting data may influence you.