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  • I think if I were advising a first-time homebuyer, I???d say, ???If you can afford $1,000/month, buy at $800/month and put that $200/month somewhere safe for disasters!??? (And for God???s sake, calculate by the traditional methods, not the new ones where the bank says, ???Oh, sure, 50% of your income on your mortgage is a GREAT idea!???)
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