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This is the worst time, to invest. Wait a bit more. You still have the president of BOFA, mentioning, that it will take another year, before we see a bottom on home prices.
and on a personal note, I just got a letter from CountryWide closeing down one of my lines of credit, the reason.... You home has depreciated in value. I have to do an appraisal if I want my line of credit back.
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