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Finding your first home at the right price and at the right time may be a bigger challenge than you’d expect. Why? Basic factors, like supply and demand and mortgage rates, can significantly impact both the availability and affordability of homes.If you're a first-time buyer, understanding the fo...

If you plan to take out a mortgage, you might need to account for more than the down payment and closing costs. In some cases, your lender could require you to have a certain amount of assets or savings, called mortgage reserves, which can be drawn from if your income changes or in an emergency.W...