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I was about your age, the most important thing to me was my partner. I needed a women with a solid income that wasn't going to stick me with a mortgage & get lazy. I could have jumped earlier, but didn't trust my wife at the time. Your friends who refied didn't do themselves any favors not paying for 14 months, karma man.
Be glad you didn't get in a few years ago before the market tanked.
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Paul
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