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2020 was a tough year...hard to find things to celebrate and think positively about, outside of making it to 2021.  One bright spot was the housing market.  This same housing market that is shedding its light into the first half of 2021.   Although many homeowners needed to exercise the need for forbearance programs, we did see anxiety in the economy push mortgage rates to record lows.   This spurred one of the hottest markets for mortgage products in...

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