Happy Holidays and Happy New Year Season’s greetings and happy New Year! I hope you’ve enjoyed a very happy holiday season with friends and family. I also sincerely hope you have been enjoying your complimentary subscription to the MORTGAGE MARKET GUIDE WEEKLY. Your next full issue will arrive “hot off the press” next week. In the meantime, if you’re going to be traveling on or after the New Year’s holiday–or anytime you

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