Sorry i missed this one earlier. But when the market crashed, there was so many things going on that shouldn't have. If you had a pulse, you were approved for a mortgage. Its nothing like that now. And I will prove you wrong. I've proven everyone wrong with where I'm at now I don't plan on this being any different. I respect your stance.
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BULLLLSHITTT... my buddy makes 35k a year before taxes, single with no other income and was approved for a loan up to 400k. Lots of the same shit still going on as there was ten years ago. History repeats itself my friend. In ALL facets.