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Lenders have buckled down and become very conservative after the bubble burst so anyone with less than a 600 credit score as their average is going to have a difficult time acquiring a loan. Putting more money down will not forgive or balance out a low score either.We just had a meeting about this and the way it was discussed is that independent mortgage consultants will be a thing of the past because Lenders aren't trusting them and are only working with their own affiliates on a loan, so there has been and are going to be changes in the mortgage industry to enforce the regulation of mortgages and avoid fraud of any kind.What I can advise, if you can't get a loan now, is to look into "Lease to Own." I have a new home developer that is willing to lease and 15% of the rent will go into the closing of the home. In approximately, 2-3 years, there's enough money to go FHA with 3.5%. This will also give time for the Buyer to work on improving their credit.
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For Sale: $2,100,000
For Sale: $499,900
For Sale: $278,000