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For someone about to buy something as significant as a home, this should not be coming as a surprise. Sounds like you didn't do your research…nor did your mortgage broker. If you love the home, and the rates don't impact your ability to qualify, you should still buy it. However, it doesn't sound like you have a clue as to what you are getting yourself into.
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For Sale: $145,000
For Sale: $144,900
For Sale: $155,000