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it's best to talk with a professional mortgage broker before you even begin looking for a new home.

The American dream of owning your own home is becoming the American nightmare for many as home foreclosure rates sore across the country. And come April 14th, the mortgage mess is going to make it tougher for first time home buyers to get into their first house in South Dakota.

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More options house hunters now have to weigh before they buy Nike Lebron Iv their first home.

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Kelly says, "Even though we're not impacted by that as much in South Dakota what happens nationally is affecting the way we lend in South Dakota for those programs."

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Dave Kelly with CorTrust Mortgage says because of the national mortgage problems, requirements to get a home loan have changed every few weeks. Kelly says that's why Nike Zoom All Out Flyknit Men'S Running Shoes

It's pretty common to see new homes go up around Sioux Falls, but it's also pretty common for South Dakotans to use the first time home buyer program to purchase that new home.

Now, the national mortgage mess is tightening the restrictions for first time Nike Zoom Out Flyknit

Buyers Will See Higher Downpayment

Kelly says, "it's just a matter of what is the best fit for them."

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home buyers because instead of putting little or no money down for a house, starting next week, they'll need at least three percent of the home's price to finalize financing.

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Kelly says, "The mortgage insurance requirements are what's changing April 14th. What that is doing is first time home buyers are going to have to come up with three percent down."

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But even though those guidelines for first time home buyers are changing, Kelly says if you're looking to buy your first piece of property there's still some options.

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Nike Lebron Iv

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