For first-time homebuyers, 2023 was a bleak year marked by [mortgage rates hitting a 20-year high](https://www.realtor.com/news/trends/mortgage-rates-just-hit-their-highest-level-in-a-generation-is-8-next/), a persistent [shortage of homes for sale](https://www.realtor.com/news/trends/the-housing-shortage-has-hit-crisis-levels/), and [home prices that stubbornly continued rising](https://www.realtor.com/news/trends/will-the-housing-market-roar-back-in-2024-our-fearless-predictions-for-the-year-ahead/#:~:text=By%20Clare%20Trapasso&text=Something%20has%20to%20give%2C%20right,Realtor.com%C2%AE%202024%20forecast.). As a result, many potential homebuyers have chosen to wait for the housing market to improve before starting their searches. Now that [mortgage rates are
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