Mortgage rates are at historic lows, so there’s money to be saved there by buying a home now. But when it comes to the home’s sales price, don’t expect a discount because of the economic downturn.

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For many people, one of the greatest achievements in life is owning a home. If you’re one of the lucky few, your savings or a financial windfall will cover the cost of buying your home, but if you’re among the masses, you will need to take out a home loan to pay for your dream home. Fortunately, a n

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