CALABASAS, Calif., July 23 /PRNewswire/ -- Countrywide Home Loans todayunveiled a broad national initiative designed to educate mortgage consumersabout the fact that they have many options available to them regarding howcertain costs are paid when refinancing or obtaining a home loan, no matterwhich mortgage lender they choose. Countrywide is arming its more than 9,000loan officers and mortgage sales force with new and improved tools, such asspecialized mortgage cost calculators, that will allow them to thoroughly andtransparently show customers cost-effective choices for structuring their homeloan packages.