Coleyville Wojewoda: Those fees, known as points, make a mortgage rate, in effect, higher than it's advertised.

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I have to believe that there is a somewhat normal, caring, single guy that is available for friendship or more, someone I can tell my secrets, desires and wants to. I'm 58, caucasion, slim, cute Irish/ Italian and a mix of being feisty and sweet. I like the Giants, watching MMA, going to movies, dinner, coffee, working out, walks on the beach. I like to dress up and go out or I can be low key and cuddle up with you at home. Hope you are cool and we have that special chemistry for being friends and beyond!

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