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If you’re reading this, there’s a good chance our paths have crossed — or they’re about to. To my past clients first:I want to say thank you . Thank you for trusting me with one of the biggest financial decisions of your life. Thank you for the phone calls, the questions, the stress, the late nights, and the moments where we had to slow things down and think things through together. Thank you for letting me be part of something that truly mattered to you. Buying or refinancin