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Hello Pam, My name is Cameron and I think I may be able to help. What area are you located in? You could connect with a private money lender locally that will act just like a bank normally would but will not focus on your credit. There is some initial draw backs of course ie. Shorter terms (3-10 years), higher interest rates (6-10%), and they are put in first lean position. There are a ton of ways to make this very easily do-able though. One is just to refinance your home after your credit is back on track, thus lowering your interest back down and giving you a longer term once again.
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