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One of the biggest things I hear from potential homebuyers is, ‘My credit isn’t good enough, so I probably can’t buy yet.’ But that’s not necessarily true! Your credit score is important, but it’s only one piece of the mortgage puzzle. When we’re looking at your ability to qualify for a mortgage, we’re also looking at things like your income, employment, debt, assets, down payment, and the type of loan you’re applying for. And different loan programs have different guidelines. So if you’ve been
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