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Buying a home can be a daunting process. From picking a real estate agent you trust, to finding the home that meets your criteria, to obtaining approval for a loan, it can feel as though you are running the 400-meter hurdles. Just as you clear one obstacle, another looms. The final hurdle is the federal HUD-1 form, which itemizes all the charges a buyer must pay in a real estate transaction, also known as settlement costs. Unprepared buyers can be overwhelmed by the jumble of numbers on the shee...
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