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Lot / Construction loan?


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We'd like to buy the lot and build now, giving us approx 6 months in the meantime to sell our house.

We have 2 years since BK of mortgage pymts, car payments w/ 1 car bought & paid off in this time period, and some little unsecured credit cards - no late payments and all judgements released in BK. However, our scores are still hovering in the low 600s. Maybe we need to pay off the little CCs before we proceed? Will our scores jump that much? Balances on all probably don't total $3k.


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