Buying your first home  is an expensive process. When you add up the down payment, various fees (loan application, credit report, notary, attorney, etc) and things you need to buy for your new home, such as appliances, you may be looking for ways to curb the outflow of money.

It can be tempting to skip anything thats not necessary for the approval of the mortgage, but there are a few things you should always pay for. Though expensive, the following can save you a lot of money, and headaches, in the long run.

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