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But there are also inevitable risks involved with mortgages, which include the accuracy of home value appraisals, the buyer's ability to pay in a timely manner, as well as what recourse the mortgagee, lender, has if the mortgagor, buyer, does not pay on time or not at all. Keep track of multiple loans and mortgages. So until there is a change, married couples will continue to pay an additional $1,500 on average in taxes a year because of the marriage penalty.
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