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A medical collection will not necessarily prevent you from getting a home loan. It sounds like to loan officer you spoke with didn't want to take the time to put in the due diligence. I would like to take a look at your situation to see what may be the fastest way to get you qualified for a mortgage loan. Please contact me if you would like to discuss it.
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For Sale: $85,000
For Sale: $227,500
For Sale: $2,700,000