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In response to "unrelated: I'm not ignoring your email. I haven't gotten to the bank stage of the refi, I expect to call the mortgage broker tomorrow to get things" by oblique

no, no worries. I know I'm kind of being a pain in the ass asking questions. we're waiting until weds to do anything; see what else rolls in.

let me send you a mail and make sure you have my real cell phone number just in case (but keep in mind it doesn't work in my building at work -- hence the work number I provided).

thanks so much for even considering to help.


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