Many people struggle to find a house they can afford, but builders can show buyers ways to make their new dream home affordable.

Some tactics such as higher credit scores, reviewing costs and fees, and putting at least 10% down on a home will help consumers get the affordable housing they seek. Home affordability usually depends on the amount of loans consumers take out and their down payments, and that buying a home is a money game that they have to play smartly. 

Take the interest rate, for example. You may read news reports about what the 30-year fixed-rate was this week, but the truth is, like gas prices, mortgage rates vary dramatically by lender, loan type, location, consumer profile, and even property.

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