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To: OX who wrote (29355)	10/13/1999 11:49:00 AM
From: TimbaBear	Respond to of 99985

<OT> For my more affluent borrowers I, too, urge them only to give me enough asset information to guarantee an easy approval....that doesn't mean I don't know about it, just that I don't ask for proof. Certainly demographics play a part in the type of borrower I see, as does the institution I work for....however, as far as institutions are concerned, I've worked for two mortgage companies, two large banks, and a mortgage brokerage business, so I feel that I have gotten a good cross-section of the local demographics. Additionally, being in Florida, I get some flavor of borrowers from other parts of the country because some of those folks buy second homes here....I don't feel, though, that I get an accurate representation of the typical borrower from those areas.