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Mark Twain is credited with the expression, “A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain.”
For the first time since records have been kept, rates this month for 30-year mortgages dropped briefly below 4 percent. Unfortunately, to get those rates you’ll need plenty of money down and an excellent income and credit score. No problem for the rich, big problem for the struggling.
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