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Maddaline Kostyra wrote:

Is is possible to get a mortgage with a 645 credit score in NY (Westchester County)?

Federal Housing Administration (FHA) loans are available for borrowers with less than perfect credit scores.  Best advice is to talk to a local mortgage professional and discuss all options available to you based not only on your credit score but on the property type, loan to value and your debt to income ratio.
February 13 2012