Bank officer: “Oh wait you can speak Japanese?!?” “... I suppose no one told you that.” “No! I spent the whole night cramming on English mortgage vocabulary! Thank goodness, now I don’t need it!” “What a relief!” “Seriously! Why would anyone name a mortgage after a body part?!”
About 15 years but it appears to be much easier to pass an underwriting process now (as a foreigner who is socially established) than it was for most of the last 50 years. Have heard some really surprising anecdotes from friends.
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