Most first-time buyers spend months focused on two numbers: the down payment and the monthly mortgage payment. They get those right and think they are prepared. Then they move in. And then they find out about everything else. In the fire service, we plan for the 90%, the calls we know are coming, th

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I have a family member in my circle who is still waiting to have 20% saved before he buys. Every time I see him, I tell him the same thing: the market is not waiting for him. I have been saying it for a few years now. And every time, the house he could have bought is worth more than it was the last

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When most people think about buying a home, they think about finding an agent. Maybe they also think about finding a lender. Those are two separate conversations, usually with two separate people, often happening at the same time with no coordination between them. Then, somewhere down the road, afte

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