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Asked by Leonard, USA, Mobile, AL Fri Nov 16, 2007

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Linette Carr…, Agent, Wilmington, DE
Fri Nov 16, 2007
Go get one! If your credit scores are in good shape, your income to debt ratio is acceptable and you have some money for a down payment and closing costs you should have no problem. The buyers who have low credit scores ( under 640), an off balance income to debt ratio and no money are not getting loans easily right now ( if at all). Hopefully the market will open up a little at some point but the bottom line is if you are in debt and have a questionable payment history you probably shouldn't be getting into more debt until you pay off some of your expenses and show a better history.
Be sure to use a reputable mortgage company for your loan. If it is too good to be true it probably is.
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