First-Timers: Take a Class, Save on Your Loan The Federal Housing Administration will be ending its public comment period  in mid-August on a proposed program that would allow first-time home buyers to get a discounted mortgage if they enroll in housing counseling classes. The program, called Homeowners Armed with Knowledge (HAWK), was announced last month by the FHA as way to curtail home buyers’ mortgage insurance premium costs. FHA is operating under

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