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FHA financing requirements, tightening the screws. Minimized seller concessions for customers (from the existing 6 percent max to 3 percent max), application of a minimum FICO rating standard, increased minimum down payments (from the current 3.5 percent), and increased home

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Water is Your Nemesis. Secure your wood supply while it is dry no matter where it came from. Do not let a sudden afternoon shower soak your campfire wood. Kids likeoutdoor camping in camping tents. Aren’t your kids currently playing

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