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Owning a home is still part of the "American Dream" because it helps us identify with a particular community, build strong ties and gives us a sense of pride. Yet getting to the closing table and receiving the keys to YOUR home can be a daunting process. What does the road to home ownership entail and what are specific steps you can take to prepare?

1. Talk to a loan officer to go over your income and expenses in order to determine how much house you can afford and ask them to "pre-qualify" you...