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Assuming that this household would have a $250,000 mortage, $40,000 in car loans, and $10,000 in credit card debt their debts would total $300,000. By trimming these small expenses, customers can frequently hasten their savings plans and arrive at their home-buying target sooner. Federal and state banking regulators have issued guidance to tighten the underwriting standards for nontraditional mortgages and recently proposed similar guidelines for subprime mortgages.
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