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Two offers. One was cash. One was full price with an FHA loan from a first-time homebuyer. Sounds easy, right? Not even close. Here’s the twist. The sellers bought this house only about a year ago, so they haven’t owned it long enough for it to appreciate much. That means they’re already bringing money to the closing table. So naturally, the higher offer means they bring less money out of pocket. They decided to take the FHA first-time buyer offer because it was full price. The cash buyer lost.

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