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    sing will also keep prices high. Even with this rosy picture, beware of these three things before signing for a home loan.

    1. Betting On Higher Home Values

    Keep in mind when you are applying for a mortgage that home values may not appreciate much in 2006. While areas like Baltimore saw a 99% increase in home values in the last five years, those rates aren’t likely to be seen in the next five years. In fact, some areas may see drops in property values. When you are picking out home loan terms, make su

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