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Zach and Jenny, a newly married couple, are considering purchasing their first home. Zach is employed as a sales manager. Jenny recently received her teaching

Zach and Jenny, a newly married couple, are considering purchasing their first home. Zach is employed as a sales manager. Jenny recently received her teaching certification, and expects to get a teaching job in the fall. They noticed that local builders are offering temporary buy-down programs for new homes. These programs may be appropriate for Zach and Jenny for their situation.

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