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nmb30 is being very tactful........"without adjustments" means, depending upon your LTV, credit score, state that property is in, type of property, type of transaction, other loans, not to mention points and the time of day on March 19th......your mileage will vary.
Last week the market couldn't make up it's mind what it wanted to do. We started off great, then the mortgage backed securities got worse by almost 1/2 of a point in less than 24 hours from 3/18 to 3/19.
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