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How to buy a home with limited funds

In my 35 years as a mortgage originator and exclusive buyer’s representative, many prospective homebuyers have told me they are delaying their purchase because of money or their credit history. In some cases, delaying a purchase is necessary and prudent. However, in many cases the delay is unnecessary and will result in getting a higher mortgage payment, a less desirable home or being priced out of the market.

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