By most accounts, mortgage companies made "a ton" of money in 2009. By the way, $1 million dollars in $1 bills weighs about 2,200 pounds, or slightly more than one ton. But is everyone ready for 2011? In the last quarter of 2010 Freddie Mac reported that 46% of homeowners who refinanced lowered their principal by putting in more money at closing, the highest cash-in percentage on record . Meanwhile, Freddie's cash-out borrowers fell to 16% of all loans , the lowest percentage on record. Combine that...