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Getting The Lowest Mortgage Rates Saving up for a 20% down payment (that’s what we recommend) can be difficult, but it’s one of the most impactful ways to get the lowest mortgage rate and save you a lot of money down the road. It’s not just the lower rate that will save you money: Put down 20% or more, and you won’t have to pay extra mortgage insurance.

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The second night of the Democratic debate is in the books, with Sen. Kamala Harris the clear winner, and former Vice President Joe Biden the loser based in part on Harris’ powerful case against.

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