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We sales people are a stubborn folk. We really don't like people checking our math. "Just be happy with the result! Why do you need to probe and pick at how I got there...just eat the sausage don't ask how I made it!!" We know that we are good at somehow getting to the final answer; somehow we make magic happen everyday. BUT there are two big things that we don't like to admit; we had two BIG winds at our back in the form of higher purchase volume and lower rates for refinances. Values were climbing, bailing out all of
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