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First Time Home Buyer Programs
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Honestly, I’ve seen folks go both ways. Some people feel better knowing they’ve got a healthy cushion, even if it means paying a bit more interest in the long run. Others get itchy about every extra dollar not going toward the principal. When I bought my first house, the water heater tanked in month two—talk about timing. That emergency fund made it a lot less stressful, even if it meant waiting a bit longer to make extra payments. Peace of mind’s worth a lot, especially in those first couple years when everything feels like it could break at once.
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