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Sometimes mortgages are like keys lost in the inner depths of your purse. You all know what I’m talking about. You get home after a tiring day and all you want to do is enter your house. But, somehow, you can’t fish for your house keys, even after throwing out everything that’s in your bag. You try to shake out every bit of dirt out, but still no keys. And in a miraculous turn of events after 15 minutes of frantic search, you reach out for your back pocket and the keys were there all along.