Laplace Biedermann: Many borrowers who could refinance at these low rates have already done so, several housing analysts said.

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Hey Gentlemen! Who's up for meeting a SAF who is goofy, fun, funny, smart, has a great job with great pay, looking for an attractive, man, 5'19quot above, also funny, goofy, but also has their quotstuffquot together. Please be in shape so we can go hiking, bike riding, exercise together...whatever....Are you confident in yourself? Do you have respect for yourself? Cause if you do, then you'll be confident that you like me and you'll have respect for me.Ok guys.....please send over some stats on who you are, area where you live, what you enjoy doing, ....oh and a PICTURE!!! Must be a recent one of you that I can see your face so no sunglasses or hats.....you send me one, then I'll send you one....if I'm interested. ....oh yeah...I'm sassy too...haha!

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