🎯 FIRST-TIME BUYER TIPS (1–5) 1. “First-time buyer tip: you don’t need 20% down. In San Diego, there are programs that get you in with far less.” 2. “Rent keeps going up. Your mortgage doesn’t. That’s why buying in San Diego beats waiting.” 3. “Credit isn’t perfect? That doesn’t mean you can’t buy. It just means you need the right plan.” 4. “Your first home doesn’t have to be your forever home. It just has to start building equity.” 5. “San Diego tip: waiting for prices to drop usually costs mo

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