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How Did We Get Here?. The Old Days: Limited Lending. Cash or LayawayStore AccountsVisa: 1973Mortgages: 20% Down, Fixed (30/15). The 2000\'s: Plentiful Lending. High Limit Credit Cards, Accepted EverywhereMortgages: Fixed, Funky. Upside. ConvenienceExpanded Home Ownership and Lifestyle.

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