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• Never borrower more than you can afford, you will regret it. Think to go no higher than 32% of your gross monthly income for a mortgage payment.

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• If you’re employed, bring your two most recent pay stubs, two most recent bank statements and the last two years of your W2 to prove your income.

• Be prepared with your credit. Review your score. Any score under 700 today may result in additional points charged to you, so shop around because not all lenders charge the same!

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