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Editor’s Note: This story originally appeared on The Penny Hoarder. One word to describe buying a home in 2021? Expensive. The price of homes in the United States appreciated 19.9% between August 2020 and August 2021, a 12-month record, according to S&P Dow Jones LLC. Depending on whom you talk to, the market is expected to continue to stay hot through 2022, though at not quite the same rate as…