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I'm in the same boat

Guest schatman

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The first answer is yes.

The second answer is if you are looking to get 100% financing, then probably. It depends on other factors like your job history/assets/and why your scores are 580. If because of collections. Then they have to be either paid off (and you would not do that until closing) or if they are 2+ years old you won't have to pay them off.

There are less and less lenders that have 100% financing of homes for borrowers with 580 scores, I deal with wholesale lenders or divisions and it has become a more difficult thing to find.


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