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The biggest problem many people face when making the move from renting to owning a home is the down payment.  You’ve been making regular payments every month for rent and can’t seem to accumulate enough capital for a more permanent home.  Many times homes in your area appreciate in value faster than you can save.  You should explore all possibilities and make every effort to purchase a home now and begin benefiting from the home’s appreciation and the income tax deduction that come with home ownership.  But saving for your down payment doesn’t need to be the mountain you’ve made it out to be.
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