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If you've been thinking about buying, applying for a new home loan or refinancing your current one, get a move on it. Rising home prices combined with record-low rates are both reasons why 2013 will be a great year for managing your mortgage. Below, Michael Litzner, Broker of Century 21 American Homes offers seven tips to take into account, whether you're a new buyer or simply working to be mortgage-free. Buy now If you're on the fence about buying, but your finances are up to snuff, then take the plunge and buy. Home prices are rising, and will continue to rise in 2013 and beyond. Litzner suggests you buy now when homes are still priced low, and take advantage of low mortgage rates. Refinance now Mortgage rates are at all-time lows, and will remain that way for the first few months of 2013, so if you're thinking about refinancing, do it now. "Changes were made to the Home Affordable Refinance Program to allow homeowners to refinance, regardless...
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