The topics I’ve written about over the years are almost always a reflection of a common theme I’ve seen or challenge I’ve dealt with since the last column I wrote.

This one is no different.

The last few months, and particularly the last few weeks, have been among the most challenging in my mortgage career. I say challenging but that might also mean stressful.

When working with clients and finding the right fit for their mortgage I look at many different factors. Rate is obviously one of the most........

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