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Monica and Jaime Silva thought they were on the road to owning their first house. They got an agent, found a place they loved and worked to clean up their credit before applying for a mortgage. They didn’t have much to put down on the $215,000 house in Maricopa, but the lender approved them for an “80-20″ program, in which the down payment and the balance of the sale price are borrowed in separate loans. More…