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Shouldn't matter. The loans are pretty commoditized - I can shop around and they would miss out (which is what I'll be doing).
I certainly expected my rate would be higher this year due to the increase in perceived volatility and risk with the loan, which is represented by the increase in their best rate.
However, there is still no explanation why someone with an 800 credit score would get a rate that it's in the middle of the pack for what they're offering.
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I used to be into sadism, necrophilia and beastiality, but then I realized I was just beating a dead horse
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