First-Time Home Buyers Receive Help When Cash, Dreams Don't Add Up - 2004-01-04
At the strike of midnight on Thursday, Lida Velasquez and her family each welcomed 2004 by consuming 12 grapes -- one for each month of the new year.

Overlooked in the headlines about the nation's hot housing market is that the greatest percentage growth in mortgage lending has been among lower-income families, or those that earn less than 80 percent of the median income.
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Smooth Sailing Expected for Home Sales, Construction in Toledo, Ohio - 2004-01-04
The Presidents of four local housing-related organizations expect nothing but smooth sailing this year for home sales and construction, remodeling projects, and mortgage rates.

The only dark clouds, they say, will be from unscrupulous members of their professions and from local and state legislation that could make it more difficult for them to do business.
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