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The real estate market today is definitely not the most favorable one for borrowers. There’s a serious shortage of homes available for sale, and housing prices have repeatedly hit new recent highs in most parts of the country. Many properties are also selling very quickly.

This type of red-hot housing market can be really frustrating if you are looking for a home. And unfortunately, it can sometimes lead borrowers to make the mistake of stretching their budgets and taking out a mortgage that is larger than they can comfortably afford. Here’s why that’s a mistake.

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