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when I was house hunting I noticed some sellers would only entertain a conventional loan, no FHA ( less than 20% down) loans accepted. I guess they figured it would weed out the "dead beats" that didn't save their pennies. I put 25% down on my house, but doubt I'll do the same on the next one. I would rather have the $70k-$80k in my bank account and pay a slightly higher monthly nut... I pay extra principal every month anyhow, so no biggy
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