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Rising home values have dropped a nice chunk of equity into many homeowners’ laps. Tapping into it with a home equity loan is easy. Deciding what to do with it? Not so much.

Does buying a home seem like a far-off dream to you? If so, you’re not alone. In Oregon, a shortage of homes for sale has caused prices to climb and fueled intense competition in many areas, dissuading would-be buyers from entering the market. But

Your ability to get a mortgage depends on four primary factors: your credit history, financial capacity, available capital, and collateral.

Not sure what a 401(k) is? Keep reading, you’re about to save yourself a stack of money