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Hey Speeter, I guess great minds think alike, cause I went with Bank of America for the exact same reason!
All 5 lenders have the exact interest rate. Some have a few benefits for one person that would not be beneficial to another. The differences are so small I don't think it even matters.

I won't go into any details, but trust me, it's as if I have no fall back. It's better not to dwell on this waitlist situation (I know it's hard). I need to stop checking this message board every hour, it's just fueling the fire. Take care 