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Since your income is quite substantial, I would wait until your credit score is a 620 minimum- Do not bother getting a loan with a score below that as rates and fees are through the roof. Call any reputable lender from Zillow and have them run your credit. They can then go to their credit bureaus and run what if scenarios to see how to get your score to above a 620. The what is scenario's cost $10 per bureau so you are only looking at around $30 - Well worth it in my opinion as that will save you thousands over the long haul.
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