A lot of buyers don’t realize this, but there are programs that can help cover part of your down payment and closing costs — even if you don’t have perfect credit. That doesn’t mean everyone qualifies. It doesn’t mean every home qualifies. And it definitely doesn’t mean you should move forward without a plan. This is why getting guidance early matters. One decision — good or bad — can change your numbers, your loan options, or even delay your purchase altogether. If you’re thinking about buying
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