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Add this to the stress of moving to a new city for a job: Fewer employers are now offering mortgage assistance as part of their relocation packages.

According to an employee-benefits survey released last year, just 4% of employers offer mortgage assistance to their relocating employees, down from 12% in 1996. Even fewer—3%—offer down-payment assistance, while 8% offer reimbursement of fees paid to real-estate agents. The survey was conducted by the Society for Human Resource Management, a human-resources trade association…