MONEY home improvement

The Cheap and Easy Way to Quiet Banging Pipes

For Sale sign illustration
Robert A. Di Ieso, Jr.

Q: We just upgraded to a high-efficiency washer and dryer, and now the pipes are making a racket inside our walls. Every time the machine draws water, which seems like a dozen times per load, we hear a loud banging noise. What can we do?

A: Today’s washing machines use quick-acting valves that slam open and shut in a millisecond, and that sudden change in pressure can cause pipes to jerk. If they’re not fastened tightly to the house’s framing, they can slam against it. This is not just a nuisance; it can also potentially cause premature wear on old plumbing pipes and joints.

There are two potential solutions to so-called “water hammer,” and either one is fairly simple to do yourself if you don’t want to spend the money for (or take a day off to wait for) a plumber.

If you can find the spot where the pipes are banging against framing—meaning it’s not hidden away inside the walls or floors—you can add pipe straps to hold the pipes in place and eliminate the banging. Pipe straps are available for just a few dollars anywhere you can buy plumbing supplies; make sure to purchase straps that are sized for the diameter of your pipes.

If you can’t access the banging pipes, or don’t even want to attempt the hunt, you can also install water hammer arrestors. These are essentially shock absorbers designed to cushion the change in water pressure so the pipes don’t bang and don’t suffer wear and tear from the extreme pressure changes. You can pick them up for $15 to $25 each at any plumbing supply. You’ll want two, so you can install them on both the hot and cold pipes. Attach by disconnecting the washer hoses, threading the arrestors onto the wall spigots, and then connecting the washer hoses to them.

Place a strip of Teflon tape over the threads before screwing on the arrestors to ensure they’re easy to remove later, and keep an eye on the connections during the next couple of wash loads to make sure they’re not dripping.

MONEY buying a home

‘Boomerang’ Buyers Set to Surge Back Into Housing Market

Normandy Shores open house for sale, Miami Beach, Florida, 2014
The Miami area is one that could see an influx of 'boomerang' buyers—those who lost a home to foreclosure but are ready to get back in the market. Jeff Greenberg—Alamy

More than 7 million homeowners who suffered a foreclosure or short sale during the housing crisis are poised to become buyers again.

Over the next eight years, nearly 7.3 million Americans who lost their homes in the housing crash will become creditworthy enough to buy again, according to a new analysis.

RealtyTrac, a real estate information company and online marketplace for foreclosed properties, estimates that these “boomerang buyers”—those who suffered a foreclosure or short sale between 2007 and 2014—are rapidly approaching, or already past, the seven-year window “conservatively” needed to repair their credit.

This year, the firm expects, more than 550,000 of these buyers could be in a position to get back into the market. The number of newly creditworthy individuals will then top 1 million between 2016 and 2019 and gradually decline to about 455,000 in 2022.

Screenshot 2015-01-27 10.30.07

RealtyTrac notes that the return of these former homeowners could have a strong effect on housing markets with a particular appeal to the boomerang demographic: areas with “a high percentage of housing units lost to foreclosure but where current home prices are still affordable for median income earners” and a healthy population of Gen Xers and Baby Boomers, “the two generations most likely to be boomerang buyers.”

Based on those criteria, the analysis targets metro areas surrounding Phoenix (with an estimated 348,329 potential boomerang buyers), Miami (322,141), and Detroit (304,501) as the most likely to see an uptick in return buyers.

Chris Pollinger, senior vice president of sales at First Team Real Estate, told RealtyTrac that previously foreclosed Americans shouldn’t rule out another try at homeownership. “The housing crisis certainly hit home the fact that homeownership is not for everyone, but those burned during the crisis should not immediately throw the baby out with the bathwater when it comes to their second chance,” Pollinger said.

Here are the top 10 areas that could see a boom in boomerang buyers:

RealtyTrac

 

MONEY Housing Market

Why More Home Buyers May Be Trading Up to Bigger Digs This Spring

fish jumping into bigger fishtank
Phil Ashley—Getty Images

A tight inventory of houses for sale has been stymying buyers who want to trade up. That could change soon.

Joe and Debbie Valerio, a couple in their 60s, put their Westport, Conn., home of more than 20 years on the market because it was getting too big for them.

When they found a nearby condo they loved, they pounced. That set off a chain reaction allowing Peter and Leah Baiocco, a couple in their 30s, the ability to trade up.

The Baioccos lived a few miles away, contemplating a future move to a bigger home once kids came along. With favorable economic conditions, they jumped at the chance to buy the Valerios’ $2.7 million house last April. After renting it out for nearly a year, the Baioccos’ starter house in Fairfield, Conn. is on the market for $739,000.

This seemingly simple sequence of events is still relatively rare in the U.S. housing recovery. Despite an improving economy and rock-bottom rates, inventory of available homes is inconsistent. Anything more than a trickle of listings sends prices down, causing sellers to pull their homes off the market.

Then prices go up again because competition gets fierce, and sellers re-emerge. As a result, a bustle of trade-up activity is expected for this spring’s selling season, before conditions change again.

“I think a lot of people have made a lot of money in the stock market the last few years. People who want to enjoy a luxury home, now is the time. Everyone has more cash available to them,” says Ken Barber, a real estate agent in Wellesley, Mass.

Other positive signs: new single-family housing starts are at a high since 2008, according to the Commerce Department’s latest report.

Also, fewer homeowners are renting out their homes to delay selling them, down to 35% in 2014 from 39% in 2013, according to Redfin, a real-estate brokerage.

And more consumers have positive equity. Last spring, 19% of homeowners in Redfin markets (such as Atlanta and Philadelphia) had low or negative equity. That was down to 11% in November. Nela Richardson, Redfin’s chief economist, expects it to hit 8% by March 2015.

Even better for buyers, interest rates are near-historic lows below 4%. “The question of staying versus leaving is shifting. For people who were afraid to leave their mortgage because they thought it was the best they’re ever going to get, now there is another good mortgage around the corner,” Richardson says.

Those trading up in 2015 should hit a sweet spot of selling near the top but not buying at the top, says Margaret Wilcox, an agent from agent in Glastonbury, Conn., for William Raveis.

Wilcox says a client couple recently traded up from a $500,000 house to a $1 million home. They did not get quite the price they wanted for the sale of their old home, but they got a discount of nearly $300,000 on their new purchase, Wilcox says.

There are a few red flags for buyers and sellers. Seller confidence is still low, with just 35% of sellers thinking now was a good time to sell, versus 48% the previous year, according to Redfin.

Keith Jurow, a housing market analyst who writes the Capital Preservation Real Estate Report, is something of a doomsayer and thinks talk of a housing recovery “is phony and only an illusion,” he says.

Given the number of mortgages originated between 2004 and 2010, he feels that too many of the people who would like to trade up still have little or no equity in their homes and are not prepared to do a sale below their purchase price.

“Unless you bring more cash to the table, you can’t trade up,” Jurow says.

Also, foreboding makes some people want to act now. They do not want to be the family that missed their chance, adds Bob Walters, chief economist for Quicken Loans. “People won’t delay forever,” he says.

The Valerios and the Baioccos have only happy thoughts about their real estate choices. They love their new homes.

“In our mind, it’s the house we’re going to be in forever,” says Peter Baiocco.

MONEY renting

3 Smart Ways Renters Can Protect Their Finances

Shape of house made out of stacks of pennies and wallet
David Malan—Getty Images

Sharing an apartment requires taking a leap of faith. Make sure you have a safety net in place.

Millennials are a generation of renters—expected to spend some $600 billion on rent over the next five years. And the percentage of Gen Y making the transition to homeownership is not expected to spike anytime soon.

Of course, there are several advantages that come with not having a mortgage that may appeal to the average Gen Y’er who’s saddled with student loans, credit card debt and job uncertainty. Renting allows for a more flexible lifestyle, since you can pick up and move with no strings attached. Plus, you avoid property tax, mortgage insurance and all the other costs that come with homeownership.

The downside? If you’re shacking up with a roomie—whether it’s a friend or a random person picked off Craigslist—you are taking a leap of faith that that person will be as responsible with their finances as you are. If the person is not, you could end up paying, literally, since a landlord could hold you liable for the entire rent and your credit score could suffer from your flatmate’s missteps.

Help protect your finances with these three moves:

Pick a Roommate First, Location Second

In a perfect world, you’d find the perfect apartment followed by the perfect roommate. After all, location is key.

But if you had to prioritize one over the other, for the sake of your financial and mental well-being, be more choosey about the person rather than the place, says Matt Hutchinson, director of UK and NYC-based roommate site SpareRoom.

You want to pick someone you click with and with whom you have an easy time communicating. In your listing include details of what you do to relax, what your hobbies are, and where you like to socialize, adds Hutchinson.“You don’t need to be best friends with your roommates, but sharing an apartment with people you like will help you feel relaxed and at home,” he says. Making sure you’re compatible now helps ensure that you won’t find yourself back on the apartment market—and wasting money on movers, brokers and the like—too soon.

Even more important, an ideal roommate also respects the fact that there are shared responsibilities and obligations that need to be met on a timely basis.

The landlord should do a credit and background check on each tenant, but you’d be wise to ask your potential roommate in advance to show you his or her credit score to get a sense of how financially responsible he or she has been. You can purchase this from MyFico for $20; if your roommate doesn’t want to lay out the money, offer pay for it. Better to lose $20 now than thousands later.

Keep Rent to No More than 30% of Income

In expensive cities like New York, San Francisco and Washington, D.C., it’s easy to justify spending a hefty chunk of your salary on rent.

A survey by SpareRoom found that three out of four renters spend more than the often-recommended 30% of income on housing. Of those, 42% fall into the “severely rent burdened category” where they spend 50% or more of their pay on housing.

Do yourself a gigantic favor and keep your housing costs as low as possible, even if it means spending an extra hour per day commuting to and from work. Even if it means walking up three or five flights of stairs to get to your door.

And if you still can’t keep it to below 30%, consider moving home temporarily with mom and dad. There’s no shame in that if it means you’ll be able to use your extra income to save and pay down debt.

Get Your Name on the Lease

Nearly half (46%) of roommates in New York, a popular city for renting, admit that they’re not on the lease for their current rental, according to the SpareRoom survey. Another 6% have no clue whether they are or not.

People often think it’s better not to be on the lease, says Hutchinson.

“While this will mean you’re less accountable financially, it also means you have no legal rights or protections,” he says. “Your landlord or roommate can ask you to leave and there’s nothing you can do about it.”

If you’re subleasing from a tenant, make sure the landlord is aware, he says, and make sure you have written agreement in place with your roommate that covers at least the bare minimum, such as how much rent you pay.

Farnoosh Torabi is a contributing editor at Money Magazine and the author of the best selling new book When She Makes More: 10 Rules for Breadwinning Women. Her new podcast So Money features intimate interviews with leading entrepreneurs, authors and influencers. Visit SoMoneyPodcast.com to listen to the show’s inaugural interviews with Tony Robbins, James Altucher and Jean Chatzky. Follow her on Twitter.

More by Farnoosh Torabi:

MONEY

How to Have the Best-Looking House on the Block—in Every Season

Paintbrushes painting the seasons
Jason Hindley—Prop Styling by Keiko Tanaka

Keeping your home gorgeous year-round is easier and less expensive than you think.

Does your house look like a million bucks? That might depend on when you’re doing the looking. In most of the country, properties shine brightest in spring and summer, when everything is in bud and bloom. But when the weather starts to cool off, “things can get dull and dreary,” says Madison real estate agent Brian Callahan.

It doesn’t have to be that way. You can maximize your curb appeal—and your property value—throughout the year with a few simple projects. Here, our seasonal guide to having the best-looking house on the block.

WINTER

Add interest with bark, berries, and seeds. Colorful evergreens, such as cypress (gold) and barberry (red), brighten your winter yard, says landscape contractor Ross Mastrorocco of Monroe, Conn.  Choose deciduous trees with interesting bark, like birch, or unusual shapes, such as corkscrew willows.
Cost: $25 to $200 per sapling, depending on type; add 50% for pro planting.

Brighten with paint. Next time you need to do a full exterior house-painting job, add a punch of color on the walls. “In winter, paint color can become the focal point of the property,” says home designer and contractor Dean Bennett of Castle Rock, Colo.
Cost: $4,000 to $10,000 to repaint the entire home.

Light up the night. During winter’s short days, landscape lighting creates after-dark appeal. Use up lights for trees, down lights for stoops and porches, and walkway lights on your entry paths. Today’s low-voltage systems are easy to install yourself: Plug the transformer into an exterior outlet and run the wires under your mulch.
Cost: $400 to $500, or two to three times that if you hire a pro for installation.

SPRING

Undo winter’s damage. Cut the beds and mulch. Use a spade to cut clean edges for your planting beds and lay down bark mulch (skip the cheap tree-company wood chips, which may contain termites or carpenter ants). Go easy: Deeper than 1½ inches can smother the roots, says Mastrorocco. For a mulch that lasts, use cedar, which is slow to decompose.
Cost: $200 to $500 to DIY; $500 to $1,000 for a pro.

Get a free landscape plan. A nursery or landscaper can suggest plants to provide color throughout your growing season. In southern New England, for example, azaleas bloom in spring, hydrangeas in summer, and some roses last into fall. Add a few perennials and annuals and you’ll have three seasons of blooms.
Cost: $25 to $200 per plant, plus 50% for planting.

Spring-clean the windows. After the dust storm of tree pollen is over, tackle your windows. Use water mixed with dish soap and a glass-safe scouring pad. Invest in a squeegee rather than trying to dry with linty paper towels, says B.J. David of Mella Window Cleaning in Cincinnati.
Cost: Expect to pay a pro $8 to $30 per window, depending on whether you have storms or tilt-in windows.

SUMMER

Mow high. Tall grass stays greener, helping to mitigate the brownouts that are so common during the dog days of summer. So set your mower (or ask your landscaper to set his mower) about three inches off the ground. The longer turf will retain more moisture and also better shade the soil, ensuring that the roots don’t dry out—and shading out any crabgrass.
Cost: Free if you mow yourself; $30 to $50 per mow if you hire a landscaper.

Have fun with numbers. Get rid of those boring “contractor grade” house numbers. You can find interesting numerals in all sorts of fonts and finishes at houseofantiquehardware.com. Wayfair.com offers letters too, so you can spell out your low-number address.
Cost: $5 to $25 per digit

Upgrade the walk. A cracked or outdated walkway hurts curb appeal all year long, but summer is the best time to tackle replacement. Handy? Interlocking pavers make the job simple enough to do it yourself. Look for tumbled pavers if you want a stonelike look.
Cost: $500 to $1,000 if you do it yourself; $2,500 for a professional installation (compared with $4,000-plus for natural stone).

FALL

Update your flower boxes. Rotate fall bloomers, such as mums, ornamental kale, and autumn sage, into your flower boxes and planters in early autumn. When those are done, cut back the plants and poke in seasonal cuttings, such as evergreen boughs and holly sprigs, suggests Chicago realtor Laurie Gross.
Cost: $15 to $25 per store-bought plant.

Fertilize in fall. Your shrubs and lawn are having an underground growth spurt right now, developing long roots to reach nutrients deep in the soil. Promote this growth with a potassium-rich fertilizer. (Your nursery can suggest one for your climate.)
Cost: $40 for a bag of fertilizer; $75 to $150 for professional fertilizing.

Give the yard a buzz cut. Readjust the lawn mower blade to as low as it will go without scalping the grass. Short turf looks better when dormant because it won’t get folded over and matted down, says Mastrorocco. Cut back perennials and annuals to the ground to make the yard look neat—and to limit how many fallen leaves get caught up in the grass and plantings, simplifying cleanup.
Cost: Free if you do it yourself; $250 to $750 to hire a professional.

Read next:
6 Simple Projects to Make Your Home More Retirement-Friendly
How to Negotiate the Price of a Home-Improvement Project

MONEY Ask the Expert

Free Fixes for Cracked Paint and Other Winter House Woes

For Sale sign illustration
Robert A. Di Ieso, Jr.

Q: We paid a small fortune to have our great room painted last summer—and now that it’s winter, the paint has cracked at nearly every seam in the woodwork! Did we get a bad paint job? Can we demand free touchups?

A: This is an extremely common problem, especially with new woodwork and especially in climates where there’s a wide temperature swing from summer to winter. Your house was painted during the warm weather, when high ambient temperatures (and, depending on where you live, humidity too) make wood expand. Come winter, temperatures and humidity levels drop, wood shrinks, and each piece of trim separates a tiny bit from its neighbor, cracking the paint.

If the cracking is happening along all of the seams, your painter didn’t properly prepare the wood before painting, says Debbie Zimmer, of the Paint Quality Institute, a research arm of Dow Chemical. All of the seams between wood pieces should have been filled with paintable acrylic or siliconized acrylic caulk prior to the job. Unlike paint or other wood fillers, this rubbery material flexes with the wood, stretching and compressing as the boards shrink and swell and preventing the paint from cracking.

But even properly caulked projects will sometimes crack here and there. Most painters offer a two-year warranty on their work—and count on repeat business from good clients—so you should absolutely call your painter and ask him to come back and address the problem. It’s a quick fix for him, Zimmer, says and he should not charge you for the work if it’s within his warranty period. It’s quite possible some cracking will occur again in the second winter, and you can absolutely call him back again for another free touchup.

Don’t delay, because you could miss out on the warranty—and because those cracks will all but disappear when the weather warms up, making it harder to make your case and harder to identify every crack that needs caulk. Still, even if you miss out on the warranty, this job should cost only $200 or $300. Or, if you have experience with caulk and paint, you can fix it yourself: Fill all gaps with top-of-the-line paintable caulk, wipe away excess with a wet rag, allow it to cure for the time recommended on the tube, and then brush on paint. If you’re using leftover paint, first bring it to the paint shop or home center where it was purchased for a free shake to ensure that it’s well mixed.

And next time you hire a painter, make sure to confirm—and perhaps even note on the contract—that he will caulk all seams and joints as part of his prep process.

MONEY mortgages

Half of Home Buyers Make This $21,000 Mistake

rows of model houses
Jonathan Kitchen—Getty Images

47% of buyers aren't comparison shopping for a mortgage, and it's costing them tens of thousands of dollars.

When it comes to purchasing a home, most buyers generally don’t have trouble comparison shopping. According to a recent study, 22% of house hunters even described themselves “addicted” to online listings. But while home buyers love shopping for homes, they aren’t doing the same with mortgages. And it’s costing them tens of thousands of dollars.

A new report from the Consumer Financial Protection Bureau shows that 47% of home buyers seriously considered only a single lender or broker before deciding where to apply for a mortgage. And 77% of buyers only applied with one lender or broker instead of applying with multiple lenders and selecting the best offer.

Granted, shopping for a mortgage isn’t nearly as fun as shopping for a house, but rushing this part of the process can cost consumers an enormous amount of money. The bureau’s research showed that a borrower looking for a conventional 30-year fixed rate loan could be offered rates that differ by more than half a percent. According to BankRate’s mortgage payment calculator, the difference between a 4% and 4.5% interest rate for a conventional 30-year fixed-rate mortgage of $200,000 is slightly more than $21,000 over the lifetime of a loan. Put another way, comparison shopping for a mortgage can save you enough money to buy a second car.

Why don’t most buyers make the effort? Aside from the obvious—comparing financial instruments isn’t exactly a day at the beach—the CFPB found that being informed has a lot to do with consumer behavior. Borrowers who felt confident about their knowledge of available interest rates were nearly twice as likely to comparison shop as those who were unfamiliar with the interest rates they could expect to receive.

To solve that problem, the bureau has created a website to educate prospective buyers on the home purchasing process. Among other tools, it offers a page that lets consumers check interest rates for their particular situation using their location, credit score, down payment, and other factors.

For more answers to your mortgage questions, check out our Money 101 on home-buying:
What mortgage is right for me?
How do I get the best rate on a mortgage?
What will my closing costs be?

MONEY energy

The Best Energy Efficiency Upgrades for Your Money

For Sale sign illustration
Robert A. Di Ieso, Jr.

Q: Our 100-year-old farmhouse costs a fortune to heat, and I’m thinking of using my holiday bonus for an energy efficiency upgrade. What’s the best investment: a new furnace, new windows, or blown-in insulation?

A: Improving the “envelope” of your house is the place to start, says Matt Golden, a former home performance retrofitter who’s now a consultant to the Department of Energy, several California utilities, and the Environmental Defense Fund. “By sealing and insulating the exterior, you reduce your house’s heating and cooling demand,” he says, “so when you’re ready to buy a new furnace someday, you might need one that’s only half the size of your existing one.”

Here’s the order of priorities Golden typically recommends:

  • Air-seal the envelope: That includes weather-stripping doors and windows, but the most important step is filling any penetrations in the attic floor, such as around pipes, chimneys, wiring, and recessed light fixtures in the ceiling below. Little gaps and cracks can drastically increase your heating and cooling costs, Golden says, and this job has to come first because you won’t be able get at the openings once you insulate.
  • Insulate the envelope: If you insulate only one thing, it should be the attic floor, since heat rises. You want at least 10 inches of insulation up there, says Golden. Blowing insulation into the walls is a far bigger job since there’s a lot more wall area—and because getting the insulation into the walls involves drilling dozens of holes in your siding. Still, in very cold climates, the job can be very cost-effective, especially if you do it when you’re planning to repaint or re-side the house anyway.
  • Seal and insulate the ductwork: The ducts in a typical house leak so much of their heated and cooled air into the attic, basement, or crawlspace that sealing the seams and wrapping the ducts with insulation can slash your HVAC costs by 30 percent. The job is not as simple as applying duct tape to the joints; despite its name, duct tape doesn’t last very long on ducts. You’ll want to hire a pro for this messy and time-consuming job, which requires specialty mastic and tape.
  • Replace your old furnace or boiler and air conditioner: Heating systems that are more than about 20 years old and cooling systems that are more than about 10 years old are inefficient by today’s standards. Installing even middle-of-the-road equipment sold today can yield 10 to 20 percent savings—far more if you select high efficiency units, if you can downsize the equipment thanks to the sealing and insulating you’ve already done, or if you’re switching from oil to natural gas.
  • Replace the windows: Although houses lose a lot of energy through their windows, high-quality replacement windows are so pricey (think $800 plus per window) that they’re almost never cost-effective purely for energy efficiency purposes, says Golden. “Of course, there are many other reasons to replace your windows, like easy operation, tilt-in cleaning, and improved resale value.” Just don’t expect the energy savings to come close to paying back the cost.

You can get specific recommendations, including estimated project costs and payback savings, for your house’s exact specifications, at homeenergysaver.lbl.gov.

When you’re ready to get started, Golden advises, look for a home-efficiency contractor who offers all of the above solutions; that way he doesn’t have a vested interest in selling you one method or product over another. The contractor will send a crew to do some tests on your house and make recommendations for the most cost-effective steps you can take. You can find certified professionals by zip code at BPI.net.

Do you have a personal finance question for our experts? Write to AskTheExpert@moneymail.com

MONEY real estate

Obama Cuts Mortgage Insurance Premiums to Help Low-Income Home Buyers

aerial view of subdivision
David Sucsy

The changes will save borrowers an average of nearly $1,000 a year.

The White House announced on Wednesday plans to reduce government mortgage insurance premiums in an effort to make homeownership more affordable for low-income buyers. President Obama is scheduled to talk about the policy in a speech Thursday in Phoenix, Arizona.

In the announcement, Housing and Urban Development Secretary Julián Castro said the Federal Housing Administration would slash insurance fees by more than a third, from 1.35% of the loan amount down to .85 percent. The FHA had a 30% share of the mortgage insurance market in the third quarter of 2014, according to Bloomberg.

Mortgage insurance, required of FHA borrowers, is meant to protect the lenders in case of default by allowing them to recoup some of their losses.

Over the next three years, the FHA projects the rate drop will allow 2 million borrowers to save an average of $900 a year when they purchase or refinance a home. The agency also estimates these savings will encourage 250,000 first-time buyers to enter the market.

The move marks a trend of recent policy changes meant to help low-income Americans get into the housing market. In December, mortgage providers Fannie Mae and Freddie Mac announced that certain first-time buyers could now qualify for a loan with a down payment of just 3 percent of the home’s value.

Taken together, today’s announcement and lower down payment requirements should make the housing market far friendlier for the economically disadvantaged. However, David Stevens, CEO of the Mortgage Bankers Association, told CNBC that the effect of the new policy may not spur an especially large increase in home buying.

“I think the marginal impact on sales will be small because potential buyers make the decision to purchase based on trigger events, such as a new job, marriage, kids, etc,” Stevens told the network. “Changes in affordability only impact how much home they can buy.”

While Democrats have been supportive of policies that aid low-income and new homebuyers, Republicans are concerned that lower insurance premiums could put the government at risk if borrowers once again default in large numbers. The FHA has previously required billions in taxpayer assistance, and while the agency is no longer losing money, its capital requirements will not meet the legal limit until 2016.

Find more answers to your home-buying questions in Money 101:
What mortgage is right for me?
How to I get the best rate on a mortgage?
What are the steps in a home purchase?

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