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The minimum score to get a loan these days is 580. Most Lenders want a 620. It sounds like you have all the areas of an approval covered except the score. I've worked with people in the past and have had success boosting scores 25 points and more to get over that 580 hump. It's called a rapid rescore.
I'm not sure what state you are in, but check our Lender profiles to see who is licensed in your state, see if they have a 580 and rapid rescore program.
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