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When I fuss about something I've got a duty to acknowledge something done right.
I just got off the phone with a young lady at Financial Freedom -- Cindy -- who obviously knew her job and how things worked. She explained the process and the HUD (Gov-mint) rules they have to follow very well. She answered all my questions and was quite pleasant to talk to. She even gave me her direct number in case I have future questions.
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Sounds like it got elevated to a level of intelligence. On second thought FF must have outsourced your query.
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