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Well-off borrowers are having difficulty getting loans at competitive rates—or getting loans at all—because of the government's dominance of the credit markets.
One spouse's lousy credit will tank the other's good record when it comes to getting a mortgage these days—so it may be better for the stronger partner to apply alone.
Now that tax credits for homebuyers have expired, sellers and realtors are offering appliance upgrades and $8,000 discounts to sell homes.
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