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But someone with a credit score around 760 might be able to get a rate of 3.70% on the exact same loan. If you have a low credit score, you may want to consider taking out a secured loan or applying with a cosigner. Other ideas and resources can be found in this bad credit loan article. income and Debt

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Can I Get a Loan From a Credit Union With Bad Credit? | Experian – If you have bad credit, then applying for a loan at a credit union might be a. a variety of consumer loans, including auto loans and home mortgages. This service is completely free and can boost your credit score fast by.

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what is a prequalification letter for a mortgage Your Pre-Qualification Letter – The Mortgage Professional – Getting a pre-qualification letter for a new home purchase is mainly to let everyone involved in the transaction know what type of mortgage money the buyer is approved to borrow from the lender. The pre-qualification letter is based on loan program guidelines pertaining to a borrower’s DTI, LTV, Credit, Property Type, and Residence Status.