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Here are 5 must-know tips for first-time home buyers — 1. Get Pre-Approved First Before you start looking at homes, talk to a lender. A pre-approval tells you your true budget and shows sellers you’re a serious buyer. 2. Know Your Full Monthly Payment Your payment includes more than the mortgage — plan for taxes, insurance, HOA (if applicable), and maintenance so there are no surprises. 3. Don’t Make Big Financial Changes Avoid new credit cards, car loans, or job changes while under contract. Le
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