Because there are a range of benefits to owning a home, it is the goal of many renters to start building equity in their own place rather than "throwing away" money by paying to live in someone else's. At the same time, many prospective new homebuyers run have some trouble reaching this goal. This could be for a variety of reasons, such as having less-than desirable credit, or not being able to come up with enough money for a down payment.
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