You are a newlywed couple in your late 20’s with decent jobs, respectable income, and reasonable credit.  You’ve started your search to buy a home in West Palm Beach, but when you walk into the bank to pre-qualify for a loan, to your surprise, you find out… NOT! You’re not alone. The Federal Reserve studied the problem, and found that in the three years between 2009-2011, just 9% of youngsters between

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