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Uncle Sam just made it harder to get a mortgage. That's a good thing.

Starting Friday, it will be a little bit harder to get a home mortgage. Or more precisely, banks and lenders will have to work a little bit harder to make sure borrowers can afford to buy a house, leaving some number of would-be homeowners out in the cold. And that's because Jan. 10, 2014, is the day that the new Consumer Financial Protection Bureau (CFPB) steps in to oversee the mortgage industry.
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