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Buyers also may have unrealistic expectations about mortgage interest rates, according to the report.
The average 4.42 percent for a 30-year mortgage is still quite a bit above the 3.32 percent seen at this time in 2012.
Paying your January mortgage and annual property-tax bill this month can pay off at tax time.
But the factors behind that stat may guide the mortgage landscape in 2014.
Increase in so-called 'guarantee' fees may lead to higher home-loan costs for homeowners.
These widely available programs can help you afford to buy a home.
Here's what would-be homebuyers can expect when attempting to qualify for a mortgage this coming year.
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