. >> when the newscast takes a commercial break maitland stands by, going over his notes and enjoyingthe crowd. >> i was looking around, gathering the sights and sounds of the fair, and one of those sounds became a scream. and then it became a lot of screams. literally and figuratively, one scream rose above the rest. >> oh, my god! >> i saw this sea of people pointing up and all kinds of concern on their face. and when i followed their pointing, i noticed at the top of the ferris wheel what was going on. and there was a man who looked like he was about to fall out of the ferris wheel, out of the seat. >> the man is 31-year-old caleb hill, who has special needs. he's literally dangling from atop the ferris wheel. >> apparently, the ride had been going and it stopped because they were at the point where they were letting people off so they could let more people on. >> at only five feet tall, hill is able to work his way beneath the safety bar and out of the car. >> we don't know why he left the car. some people said caleb was scared. his relatives said that he just didn't like sitting

s&p index expert maureen maitland says the housing market is starting to make a modest but steady recovery. >> susie: low mortgage rates are attracting more than just new homebuyers. 80% of all the mortgage activity in the u.s. currently is for refinancings. suzanne pratt takes a look at exactly who's getting those new loans and when it makes sense to refinance. >> reporter: bob patlin knows a lot about the trim that goes on clothes. that's because he heads one of the nation's largest button and zipper suppliers. but when it came to outfitting his long island home with a refinanced mortgage, patlin needed help. that's because his loan was at the sky high rate of 10.75%. after a false start with a big bank, patlin landed at equity now, a new york-based mortgage banker. >> i don't think it took two weeks until we had an approval. i may be wrong, but i know it was relatively quick. if it took that long, it's probably my fault because i don't work on fridays when they're looking for me. >> reporter: the staff at equity now got him a 15-year fixed mortgage at the much more palatable rate of 3.3