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Many mortgage lenders have their cutoff points, the minimum credit score they will allow, in this range, so you may have to contact a number of lenders before you'll find one who'll accept you.
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If the loan has not been consolidated using some of the government loan programs available, consider looking into this option.
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It has nearly all gone to the governments taxman who doesnt want the money as it was originally created.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.