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Thank you hfc, your staff has always treated us like family. That type of direct lending is uncommon, and has been declining in usage. This is true for the south sea bubble, 1928/29 us stock market bubble, japanese bubble in 1989, nasdaq high-tech bubble in 2000, etc. Needing extra work after quote received eg, you accept a quote to re-line your bathroom in water proof wallboard. It can be a lot easier to budget your money when you know your mortgage interest rate isn't going to change every year.

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