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First-time homebuyers shopping for a home are in the most difficult, confusing and complex residential market in United States history. What is a good mortgage rate? Do I apply for a 15- or 30-year mortgage? What's an ARM? How big a down payment do I need? Can I buy a foreclosure? What is REO? Do I need a professional real estate agent? How do I find a reliable lender? All those questions can be answered by a professional Realtor.
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