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While the wages in Bay County are still lower than most big cities the housing market has dropped enough that locals can afford to buy as well as many new first time home buyers. Many people believe that they have to have a large sum of money saved to buy and with the deals now that just isn't so. Some sellers are offering to pay the closing costs up front even builders are offering closing costs or 3 months worth of payments. Making buying a home less costly upfront. I believe many first time home buyers are getting caught up in
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