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In other news, I went into my CU today and on the way out asked how their lending practices for mortgages have changed - the woman said they have remained the same, since they never took on sub-prime lending. She handed me a document that looks identical to one I received 2 years ago (except the interest rates are different).
Only difference I'm seeing between the CU and other lenders is that you need 5% down for a single family home and 10% down for a condo (and PMI - I think).
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Spork is the new MacGyver
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