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Ample bedrooms and bathrooms? Check. A roomy kitchen? Check. A nice-sized back yard, storage space in the attic and just the right amount of curb appeal? Check, check and check.

Once you've found your perfect home, the next step is finding the right mortgage - which can sometimes feel like you're competing in a contact sport, being blindsided by confusing requests or financial surprises as you go through the application process.

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