Many would-be buyers are frozen out of the housing market

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First-time homebuyers are getting older. So much so, the National Association of Realtors had to scrap the photo it was planning to use on the cover of a new report.

"The original cover had a very cute, young couple who was expecting, and I said, 'That's not going to work,'" says Jessica Lautz, deputy chief economist for the Realtors' association. "We're not seeing young couples, unfortunately, so it didn't match."

Instead, the Realtors went with photo s

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