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Saving for a downpayment is one of the first steps to buying a home --apart from getting pre-qualified for a mortgage. Starting your savings also requires quite a bit of commitment. It takes discipline to forgo that weekend getaway with friends or reduce everyday purchases like your usual morning latte. But when you're saving for a house, every purchase and dollar saved must be a deliberate choice.

But where's the best place to store your home-savings nest egg? After all, you'll be saving in the tens of thousands, not just a couple of thousand. Lenders will also need to verify where your downpayment came from, meaning they'll want to see a record of deposits that prove your savings efforts or gifted funds.

Here are some suggestions for where to…

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This is not a time of year typically associated with a lot of home sales, but real estate experts advise that owners can actually tap this unique market. All it takes is a different type of prep work and a positive attitude. 

While highlighting bright, sunny days coupled with warm weather and green grass can seem like the best way to market a home, some industry insiders actually prefer to market a home in winter, according to the Realty Times. Homes tend to be more brightly lit, and - in certain cases - even festively decorated in a way that makes a listing look a lot more "home-y" in photos and videos, as well as in person. 

Everyone is motivated 

Another huge benefit that comes with putting a home up for sale in the winter…

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While some potential homeowners were unable to purchase a property this summer due to fierce competition and a short supply, many experts say autumn is actually the best time to shop. With fewer people in the market to buy a home, and those who listed properties before still anxious to sell, this season creates a greater probability for better deals and price.

The biggest thing that can help facilitate real estate sales at this time of year is that most homes still on the market have been there for some time - usually a few months, according to Trulia. Sellers are more likely to bring down their prices and provide a little more wiggle room than they might have during the summer to get a deal done expediently, especially if they're looking to sell…

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