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If you’re a first-time homebuyer in your 20s or 30s, you need to hear this! Stop trying to save 20% down while home prices and mortgage rates keep rising. The average first-time buyer only puts down 6%. Most people putting 20% down are doing it using the equity from their first home — not cash saved in a bank. Putting less down does NOT put you in danger. What actually matters is whether you can comfortably afford your monthly payment. If you know you can afford the payment, put as little down a
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