HGTV Real Estate Fraud Alert: Latest News & Risks


HGTV Real Estate Fraud Alert: Latest News & Risks

Allegations of deception inside televised property packages, significantly these airing on Residence & Backyard Tv, contain discrepancies between the on-screen portrayal of actual property transactions and the precise experiences of members or viewers. For example, claims have surfaced concerning artificially inflated property values, undisclosed monetary contributions from producers, and misrepresentations of renovation timelines or prices. These actions, if substantiated, represent a breach of belief and doubtlessly mislead the viewers in regards to the realities of residence shopping for, promoting, and renovation processes.

The importance of addressing these claims stems from the appreciable affect these packages wield on client notion and decision-making. The widespread reputation of residence enchancment and actual property exhibits has formed public expectations concerning property values, renovation feasibility, and the general ease of getting into the housing market. Historic precedents of deceptive promoting and client safety legal guidelines emphasize the significance of transparency and accuracy in media representations that impression monetary selections. Upholding moral requirements in tv broadcasting protects viewers from potential monetary hurt and maintains the integrity of the true property trade.

This text will delve into the assorted allegations surrounding misleading practices in televised actual property exhibits. It should study particular cases the place considerations have been raised about inflated property values and manipulated renovation narratives. Moreover, the article will discover the authorized and moral implications of those practices, the potential impression on viewers, and the measures that may be taken to make sure transparency and accountability within the manufacturing of reality-based programming.

1. Inflated value determinations

Inside the shiny veneer of televised property transformations, the specter of inflated value determinations lurks, casting a shadow of doubt on the authenticity of the portrayed transactions. This manipulation, intentional or in any other case, types a cornerstone of alleged deception, warping viewer perceptions and doubtlessly resulting in disastrous monetary choices. It is a narrative spun with optimism, however usually woven with threads of monetary fantasy.

  • The Artifice of Market Worth

    Value determinations, of their purest kind, are supposed as goal assessments of a property’s price, based mostly on comparable gross sales, location, and situation. Nonetheless, when tv cameras roll, this objectivity can develop into compromised. Stress from producers, coupled with a need for dramatic narratives, might incentivize appraisers to inflate values, creating an phantasm of immediate fairness and worthwhile funding. The consequence is a distorted benchmark, main viewers to consider they’ll replicate comparable beneficial properties in their very own actual property ventures.

  • The Phantasm of Renovation Returns

    The fast transformation showcased on these packages usually implies that minor beauty adjustments translate into substantial will increase in property worth. That is seldom the case. Whereas strategic renovations can enhance a property’s enchantment, they not often yield the dramatic returns depicted on display screen. Inflated value determinations amplify this phantasm, presenting viewers with unrealistic expectations and inspiring them to overspend on renovations with the false promise of a fast revenue.

  • Complicity and Conflicts of Curiosity

    The potential for conflicts of curiosity additional complicates the difficulty. Appraisers who depend on tv appearances for publicity or future work could also be subtly influenced to ship favorable valuations. This undermines the integrity of the appraisal course of, turning it right into a promotional instrument fairly than an neutral evaluation. The viewer, unaware of this potential bias, locations undue belief within the figures offered.

  • The Ripple Impact of Misinformation

    The impression of inflated value determinations extends past particular person viewers. By making a false sense of market buoyancy, these packages can contribute to unrealistic value expectations throughout the broader housing market. This will result in inflated property values, bidding wars, and in the end, a possible housing bubble. The implications of such widespread misinformation may be felt for years to come back.

In the end, the manipulation of property valuations, whether or not by direct inflation or delicate affect, serves to erode the viewer’s means to make knowledgeable choices. This deliberate distortion of actuality underpins the core allegations surrounding misleading practices in televised actual property exhibits, highlighting the necessity for larger transparency and important analysis of the knowledge offered.

2. Undisclosed monetary preparations

Behind the seamless residence transformations showcased on tv usually lie monetary agreements hid from the viewing public. These hidden preparations, like clandestine offers struck within the shadows, are a key factor within the narrative of alleged deception. They distort the fact of residence renovation and buying, presenting a facade of affordability and ease that seldom displays the true monetary burdens concerned.

  • Backed Renovations

    One widespread apply entails manufacturing corporations secretly contributing to the price of renovations. This monetary help, usually substantial, considerably reduces the monetary burden on the owners featured on the present. Nonetheless, viewers are left unaware of this subsidy, believing the showcased transformations are achievable inside a extra modest funds. The result’s a deceptive portrayal of the true value of residence enchancment, attractive viewers into tasks they might not be capable to afford. Think about a household, captivated by a present’s seemingly budget-friendly kitchen rework, embarking on the same mission solely to find they’re tens of hundreds of {dollars} quick, dealing with mounting debt and unfinished work.

  • Vendor Sponsorships

    One other layer of complexity arises from vendor sponsorships. Constructing materials suppliers, furnishings shops, and equipment producers usually present their merchandise at considerably diminished costs, and even free of charge, in trade for on-screen publicity. Whereas such partnerships are widespread in media manufacturing, their presence stays largely unacknowledged to the viewers. This skews the perceived value of supplies, main viewers to underestimate the true expense of equal renovations. A viewer would possibly admire the high-end home equipment in a televised kitchen, unaware that these home equipment had been offered for gratis to the owners, making a misunderstanding of attainable luxurious.

  • Staged “Surprises”

    Some exhibits orchestrate “shock” upgrades or additions, funded totally by the manufacturing firm. These spontaneous enhancements, designed to intensify the emotional impression of the reveal, additional contribute to the monetary obfuscation. Viewers, witnessing these seemingly easy additions, are led to consider that such luxuries are readily attainable inside a typical renovation funds. A house owner is perhaps offered with a model new deck, purportedly costing a number of thousand {dollars}, when in actuality, your entire mission was financed by the present, leaving the viewers with an inflated sense of affordability.

  • Hidden Labor Prices

    The true value of labor can be often misrepresented. Manufacturing corporations usually safe discounted charges from contractors, and even make the most of volunteer labor, to expedite renovations and decrease bills. This considerably reduces the general mission value, however the financial savings are not often disclosed to the viewers. The result’s a distorted portrayal of the true value of expert labor, main viewers to underestimate the monetary dedication required for skilled residence enchancment. A viewer would possibly see a fantastically tiled toilet renovation, solely to find that hiring an expert tiler prices way over the present implied, turning their dream renovation right into a monetary nightmare.

These undisclosed monetary preparations erode the credibility of televised residence enchancment packages. By obscuring the true prices of renovation and homeownership, these exhibits doubtlessly mislead viewers, attractive them into monetary commitments they might be ill-equipped to deal with. The dearth of transparency not solely raises moral considerations but in addition underscores the necessity for essential analysis and knowledgeable decision-making when partaking with media portrayals of actual property and residential enchancment.

3. Deceptive renovation timelines

The clock ticks in another way on tv. What unfolds in a compressed 30- or 60-minute episode usually masks weeks, even months, of real-world labor. This distortion of time, particularly on the subject of renovation tasks, is an important factor within the narrative of alleged deception. It paints an image of easy transformation that not often displays the grueling actuality of residence enchancment, main viewers down a path paved with unrealistic expectations and potential monetary peril.

  • The Phantasm of Pace

    Per week-long kitchen renovation, compressed right into a handful of rigorously edited scenes, turns into the norm. The viewer sees the demolition, the set up, the ultimate reveal, all in a seamless move of exercise. What they do not see are the allow delays, the surprising structural points, the countless journeys to the ironmongery store, and the agonizing waits for contractors. This phantasm of pace encourages viewers to consider that advanced renovations may be accomplished shortly and simply, main them to underestimate the time dedication required and doubtlessly embark on tasks they can not realistically handle.

  • The Omission of Setbacks

    Each renovation encounters unexpected issues. A leaky pipe, a hidden mildew infestation, a misaligned wall these are the widespread realities of residence enchancment. But, on tv, these setbacks are sometimes minimized or fully ignored. The narrative focuses on the triumphs, glossing over the challenges that may derail a mission and ship prices spiraling. This omission creates a false sense of management, leaving viewers unprepared for the inevitable bumps within the highway and weak to monetary pressure when surprising points come up.

  • The Underestimation of Labor

    Groups of contractors, working across the clock, accomplish in days what a single home-owner, juggling work and household tasks, would wrestle to finish in months. The dimensions of labor concerned is usually downplayed, main viewers to underestimate the effort and time required for even seemingly easy tasks. This can lead to owners making an attempt to DIY renovations past their ability degree, resulting in shoddy workmanship, expensive errors, and a mission that drags on indefinitely.

  • The Disconnect from Actuality

    The curated timelines on these exhibits create a harmful disconnect from actuality. Viewers, satisfied that renovations may be accomplished shortly and simply, might rush into tasks with out correct planning or budgeting. They might underestimate the time dedication, overestimate their skills, and fail to anticipate potential setbacks. The result’s a recipe for frustration, monetary hardship, and a house that’s extra of a building zone than a sanctuary.

In the end, the distortion of time in televised renovations contributes to the broader narrative of deceptive viewers. By presenting a false image of pace and ease, these exhibits encourage unrealistic expectations, promote impulsive decision-making, and in the end, expose viewers to the potential for monetary destroy. The rigorously crafted timelines develop into one other instrument within the arsenal of deception, obscuring the true complexities and prices of residence enchancment and perpetuating the cycle of questionable practices.

4. Staged homebuyer eventualities

The pristine narratives of televised property acquisition often conceal a manufactured actuality, a key part within the broader discourse surrounding questionable practices in residence and backyard tv programming. Staged homebuyer eventualities, the place the featured members will not be genuinely out there for a house or have already made their buying choices, function a automobile to advance pre-determined storylines and manipulate viewer perceptions. The impression of this fabrication reverberates by the viewers, fostering unrealistic expectations and distorting the advanced realities of the true property market. These eventualities, seemingly benign leisure, contribute considerably to the alleged deception, blurring the road between genuine expertise and crafted narrative.

Contemplate, for instance, a pair offered as torn between two dramatically completely different properties, their on-screen deliberation stuffed with manufactured pressure. The underlying reality, usually undisclosed, could also be that the couple had already secured their chosen residence weeks earlier than filming commenced. The staged dilemma serves merely as a platform to showcase specific design tendencies or spotlight particular neighborhood options, whatever the precise homebuyers’ genuine preferences. This efficiency not solely misleads viewers in regards to the real decision-making course of but in addition subtly promotes particular aesthetic beliefs and way of life selections, doubtlessly influencing their very own, real-world property choices. This staged course of creates a false comparability of properties which results in dangerous investments and poor choices for the viewers that believed within the present.

The implications of staged eventualities prolong past particular person viewers, impacting the integrity of the true property trade as a complete. By presenting a curated, usually idealized, model of the house shopping for course of, these packages contribute to unrealistic market expectations and a skewed understanding of property values. The staged eventualities additionally promote particular aesthetic beliefs. Unveiling these manufactured realities is essential to fostering media literacy amongst viewers and guaranteeing transparency throughout the realm of televised property programming. The problem lies in discerning genuine portrayals from crafted narratives, armed with a essential consciousness of the potential for deception and the significance of unbiased analysis when navigating the complexities of the true property market.

5. Unrealistic market depictions

The shimmering attract of televised actual property usually obscures the gritty realities of the market, a deliberate or unintentional distortion that types the bedrock of considerations surrounding potential deception in programming. These exhibits, with their accelerated timelines and thoroughly curated successes, current a skewed imaginative and prescient of property transactions, one that may mislead viewers and foster unrealistic expectations.

  • The Fantasy of Instantaneous Fairness

    Applications often showcase properties appreciating considerably inside weeks or months, a story not often mirrored in the true world. The gradual, usually incremental development of actual property worth is sacrificed for the sake of dramatic impact, creating the phantasm of available revenue. A household, witnessing a seemingly modest renovation leading to a considerable property worth enhance, could also be lured into overextending themselves financially, believing they’ll replicate the televised success. The fact is usually a far cry from this narrative, with market fluctuations and unexpected bills eroding the projected beneficial properties.

  • The Vanishing Stock Phantasm

    The pace at which properties are offered as being snatched off the market on these packages creates a way of urgency that will not mirror the precise market situations. Viewers are led to consider that quick choices are paramount, doubtlessly speeding them into purchases with out correct due diligence. This fabricated shortage may be significantly damaging in slower markets the place patrons have ample time to contemplate their choices. The urgency depicted on display screen pressures viewers into hasty choices.

  • The Discounted Renovation Fantasy

    The exhibits usually painting in depth renovations being accomplished on seemingly impossibly tight budgets. This misrepresentation stems from undisclosed vendor partnerships, discounted labor, and the omission of unexpected bills. Viewers, captivated by the seemingly reasonably priced transformations, might underestimate the true value of comparable tasks, resulting in funds overruns and monetary misery when making an attempt to duplicate the televised outcomes.

  • The Assured Return on Funding Deception

    A relentless theme is the concept that renovation or buy equals assured return on funding. The market is unstable and adjustments over time attributable to financial components. By not presenting these components to the viewer, they’re offered with a false narrative that the true property market is all the time rising when that is probably not the fact.

These parts will not be remoted incidents. They work in live performance to create an surroundings the place the true complexities of the true property market are minimized or ignored, doubtlessly main viewers to make ill-informed choices based mostly on a rigorously constructed phantasm. The ensuing disconnect between televised portrayals and real-world realities underscores the significance of essential viewing and unbiased analysis when partaking with these packages.

6. Exaggerated property values

The narrative of televised property transformations, significantly these featured on HGTV, usually hinges on a central, doubtlessly misleading premise: the exaggerated valuation of actual property. This inflation, whether or not intentional or a byproduct of this system’s dramatic calls for, types a essential hyperlink within the chain of alleged misrepresentation. Exaggerated property values act as each a symptom and a catalyst, exacerbating the potential for monetary hurt to viewers who base choices on these synthetic figures.

Contemplate the hypothetical situation of a household, impressed by a tv present’s purported success, buying a fixer-upper in a burgeoning neighborhood. The present highlights comparable properties promoting for considerably greater than the household’s buy value, portray an image of quick fairness and assured return. Nonetheless, the present’s valuation fails to account for essential components: the exaggerated scope of the renovations showcased, undisclosed monetary contributions from manufacturing, and the short-term enhance in market worth ensuing from the present’s promotion. In actuality, the household finds themselves burdened with surprising restore prices, a stagnant market, and a property that’s far much less invaluable than initially believed. The inflated valuation, offered as reality, turns into a entice, ensnaring the household in a cycle of debt and disappointment.

The implications of exaggerated property values prolong past particular person instances, impacting the broader housing market and undermining the ideas of honest and clear transactions. By selling inflated valuations, HGTV and comparable networks might contribute to unrealistic expectations, driving up costs and making a false sense of market stability. This, in flip, can result in unsustainable lending practices, bidding wars, and in the end, a possible housing bubble. Addressing the basis causes of this manipulation is essential not just for defending particular person viewers but in addition for safeguarding the integrity of your entire actual property ecosystem. The problem lies in fostering media literacy and holding tv networks accountable for the accuracy of the knowledge they current, guaranteeing that the attract of televised property transformations doesn’t come at the price of monetary safety and market stability.

7. Lack of skilled session

The narrative of televised residence enchancment usually unfolds with out the essential counterbalance of seasoned skilled steering. This absence, a deliberate omission or a byproduct of entertainment-driven manufacturing, lays the groundwork for misinformation and contributes to the discourse surrounding deception in HGTV programming. The story of a novice home-owner, armed with solely the inspiration from a 30-minute tv phase, shortly turns from aspiration to monetary catastrophe.

  • Unvetted Design Choices

    Reveals often depict daring design selections made with out the enter of certified architects or inside designers. This leads viewers to consider that aesthetic enchantment trumps structural integrity and performance. A household, captivated by a televised kitchen rework that includes a stylish open flooring plan, might demolish load-bearing partitions with out understanding the implications. The dearth of structural evaluation can lead to expensive repairs, compromised security, and a big lower in property worth, demonstrating the tangible dangers of design choices divorced from skilled recommendation.

  • Absence of Certified Contractors

    Expert tradespeople are sometimes relegated to supporting roles, their experience overshadowed by the hosts’ on-screen charisma. The nuances of plumbing, electrical work, and structural engineering are glossed over, main viewers to consider that advanced duties may be simply achieved by amateurs. The story of a home-owner making an attempt to rewire their electrical system based mostly on a DIY tutorial highlights the potential for catastrophic penalties. The dearth of certified contractors, portrayed as a minor inconvenience, can lead to harmful code violations, hearth hazards, and vital monetary losses.

  • Inadequate Code Compliance

    Constructing codes and rules, designed to make sure security and structural integrity, are not often talked about in televised renovations. The main focus stays on aesthetic transformations, with little regard for the permits and inspections required by regulation. A house owner, impressed by a present’s deck renovation, might construct a construction that violates native zoning ordinances, resulting in hefty fines and compelled demolition. The failure to stick to constructing codes, offered as an insignificant element, can lead to authorized repercussions and monetary setbacks.

  • Neglect of Environmental Considerations

    The environmental impression of renovation supplies and practices is often ignored. The main focus is on attaining a visually interesting end result, with little consideration for sustainable alternate options or correct waste disposal. A house owner, impressed by a present’s toilet rework, might use poisonous supplies that contribute to indoor air air pollution or improperly eliminate hazardous waste, resulting in environmental harm and well being dangers. The dearth of environmental consciousness, portrayed as irrelevant, can have lasting penalties for each the home-owner and the planet.

The absence of skilled session in televised residence enchancment creates a distorted actuality the place viewers are left ill-equipped to navigate the complexities of actual property and renovation. This lack of steering paves the way in which for misinformation, unrealistic expectations, and doubtlessly disastrous monetary choices. The story of the ill-informed home-owner, armed with solely a tv display screen as a information, serves as a cautionary story, highlighting the essential function of skilled recommendation in attaining profitable and sustainable property transformations. The omission of skilled session exposes viewers to the dangers inherent within the residence enchancment course of, urging warning and emphasizing the necessity for skilled steering in their very own actual property endeavors.

Often Requested Questions

The proliferation of residence enchancment and actual property exhibits has fueled public fascination with property transformation. Nonetheless, allegations of misleading practices necessitate a essential examination of those packages. The next questions deal with widespread considerations arising from accusations of impropriety in televised actual property content material.

Query 1: Are the renovation budgets depicted on HGTV sensible?

Not often. A household, impressed by a seemingly modest kitchen makeover on tv, embarks on the same mission, solely to find that the prices far exceed what was portrayed on display screen. Undisclosed sponsorships, discounted labor, and the omission of unexpected bills contribute to this phantasm of affordability. In actuality, renovation budgets are often understated, leaving viewers ill-prepared for the true monetary dedication concerned.

Query 2: Is it true that properties respect in worth as shortly as proven on these packages?

No. A younger couple purchases a fixer-upper, anticipating the fast appreciation showcased on their favourite present. Nonetheless, market fluctuations, zoning restrictions, and unexpected structural points stifle their funding, leaving them with a property far much less invaluable than anticipated. The notion of immediate fairness is usually a delusion, fueled by the accelerated timelines and curated successes offered on tv.

Query 3: How can I determine if a televised renovation is sponsored by the manufacturing firm?

Sadly, definitive identification is sort of not possible. A house owner receives a model new deck, ostensibly costing a number of thousand {dollars}, however the reality, identified solely to the manufacturing crew, is that your entire mission was funded by the present. The absence of transparency concerning monetary preparations makes it exceedingly tough to discern between genuine renovations and people artificially inflated by manufacturing subsidies.

Query 4: Are the “home hunters” on these exhibits really within the course of of shopping for a house?

Not all the time. A household, offered as torn between two strikingly completely different properties, engages in on-screen deliberations stuffed with manufactured pressure. Unbeknownst to the viewers, the household had already secured their chosen residence weeks earlier than filming commenced. Staged eventualities like this are used to drive narratives and spotlight particular design tendencies, whatever the precise homebuyers’ genuine preferences.

Query 5: Why do these packages not often present the challenges and setbacks that happen throughout renovations?

A house owner, impressed by a seamless toilet renovation on tv, embarks on the same mission, solely to come across a cascade of unexpected issues: leaky pipes, hidden mildew, and misaligned partitions. These challenges, widespread in real-world renovations, are sometimes minimized or omitted totally from the televised narrative, making a false sense of management and leaving viewers unprepared for the inevitable setbacks.

Query 6: Do the hosts of those packages have related experience in actual property or building?

The credentials of on-screen personalities differ. A household accepts design recommendation from a celeb designer, unaware of their restricted information of constructing codes or structural integrity. Whereas some hosts possess official experience, others depend on their on-screen charisma and thoroughly scripted recommendation, usually on the expense of sound architectural or engineering ideas.

These often requested questions underscore the necessity for essential analysis when partaking with televised property packages. Recognizing the potential for inflated valuations, staged eventualities, and unrealistic timelines is essential for making knowledgeable choices within the advanced world of actual property.

The following part will delve into potential authorized repercussions stemming from these alleged misleading practices.

Guarding Towards Televised Actual Property Deception

The attract of televised property transformations may be highly effective, but viewers should train warning to keep away from potential pitfalls. The next suggestions, gleaned from cases of alleged deception in HGTV programming, function a information to navigate the world of televised actual property with a essential eye.

Tip 1: Mood Expectations with Actuality

A pair, entranced by a present’s fast renovation timeline, launched into the same mission, solely to search out themselves months delayed and considerably over funds. Do not forget that televised timelines are extremely compressed. Actual-world renovations usually encounter unexpected delays and require much more time than portrayed on display screen. Consider sensible timelines and put together for the surprising.

Tip 2: Query Unusually Low Budgets

A household, believing a present’s renovation funds to be correct, tried the same transformation, discovering hidden prices and undisclosed bills. Unusually low budgets usually conceal vendor sponsorships, discounted labor, or the omission of essential features of the mission. At all times search a number of unbiased quotes and completely examine all prices earlier than committing to any renovation.

Tip 3: Confirm Property Values Independently

A possible purchaser, counting on a present’s inflated property valuation, bought a house at an exorbitant value, solely to search out it price considerably much less upon resale. By no means rely solely on televised property values. Acquire unbiased value determinations from licensed professionals and analysis comparable gross sales within the space to make sure correct valuation.

Tip 4: Scrutinize “Professional” Recommendation

A house owner adopted design recommendation from a tv host, neglecting constructing codes and structural issues, in the end leading to expensive repairs and security hazards. Confirm the credentials and experience of on-screen personalities. Seek the advice of with licensed architects, contractors, and engineers for skilled steering on any building or renovation mission.

Tip 5: Be Cautious of Staged Situations

A primary-time purchaser, believing a present’s depiction of a bidding battle, rushed into a purchase order with out correct due diligence, later regretting the hasty choice. Acknowledge that some parts of televised property exhibits are staged for dramatic impact. Strategy these eventualities with skepticism and conduct thorough analysis earlier than making any actual property choices.

Tip 6: Perceive Native Market Situations

A vendor, anticipating a fast sale based mostly on a present’s portrayal of a sizzling market, waited months with none presents, incurring vital holding prices. Televised depictions of market situations might not precisely mirror the native realities. Analysis native market tendencies, stock ranges, and common promoting costs to make knowledgeable choices about shopping for or promoting property.

By making use of these essential methods, one can navigate the world of televised actual property with a discerning eye, defending themselves from potential pitfalls and fostering a extra knowledgeable method to property possession and funding.

The ultimate part of this text will discover potential recourse for viewers who’ve been demonstrably harmed by misleading practices encountered on televised actual property programming.

The Shadow of Deception

The previous investigation has peeled again the layers of televised residence enchancment, revealing the pervasive considerations surrounding “hgtv actual property fraud”. From inflated value determinations to staged homebuyer eventualities, the narratives offered on display screen usually deviate considerably from the realities of the property market. These deviations, whether or not intentional or a byproduct of entertainment-driven manufacturing, carry the potential for substantial monetary hurt to unsuspecting viewers. Like a mirage within the desert, the promise of easy transformation and assured revenue can lure people towards choices based mostly on phantasm fairly than sound judgment. The story of numerous households, impressed by televised triumphs, solely to face funds overruns, structural nightmares, and plummeting property values, serves as a stark reminder of the dangers inherent in blindly trusting the curated realities of tv.

The duty, due to this fact, rests with each the producers of those packages and the viewers who devour them. Networks should prioritize transparency and accuracy, guaranteeing that the knowledge offered aligns with moral requirements and doesn’t mislead audiences. Viewers, in flip, should domesticate a essential mindset, recognizing the potential for manipulation and fascinating in unbiased analysis earlier than making any vital actual property choices. The hope is that the notice of the potential monetary catastrophe from hgtv actual property fraud will function a protect, empowering them to make selections grounded in prudence fairly than swayed by the misleading attract of the display screen. The trail to accountable property possession calls for a willingness to query, to confirm, and to method televised portrayals with a wholesome dose of skepticism. Solely then can the dream of homeownership be realized with out succumbing to the shadows of deception.

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