1. Virginia Housing (VHDA): Virginia's 0% Down First Time Home Buyer Program

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  2. Use Your House as an ATM with HELOCs: Home Equity Lines of Credit

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  3. FOUR TYPES of Prepayment Penalties & How to Negotiate Them

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  4. 1-0, 2-1, and 3-2-1 Prepaid Interest Buydowns (Paid By Seller or Buyer)

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