Originally posted on 08/24/2016:
Out of line man, jake's one of the good ones...calling you a newb and expressing amazement at the loan isn't an insult to you. He's simply saying that you're new round here and your reliability is an unknown, both of which are true as far as any of us (including me) know. None of which matters at the moment as I took the chance anyways...keep paying back and you'll be all set