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Resource Guide: First Time Home Buyer Programs - New York; The State of New York Mortgage Agency (SONYMA) offers mortgage programs and credit certificates to assist first-time homebuyers.; Georgia - The Peach State; Georgia, founded in 1733, is one of the original 13 states.; Keeping a Good Credit Score; If your credit scores are 760 or higher, congratulations! Now, don't do anything.; Save Money On Your Cell Phone Bill; Before you sign your next cell phone contract, do the math.; More Articles...