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For many Americans, owning a home is a major life goal. An overwhelming 74% of U.S. adults consider homeownership to be a part of the "American dream," according to Bankrate s Financial Security survey. But realizing that dream has become much more challenging recently. It s not just today s steep home prices and record-high mortgage rates that are pushing homeownership further out of reach. Lately, there has also been a proliferation of all-cash home purchases, which is making an already daunting market even trickier for hopeful buyers.

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