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Conventional Mortgages Explained
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Honestly, I’ve seen folks squeak through with a 580, but you’re right—it’s more like you’re picking from the leftovers. One thing I’d add: don’t underestimate how much a quick score bump can help. Had a client pay off two tiny collections and jump to 610 in six weeks. Suddenly, way more options opened up. Also, don’t be afraid to ask lenders about their overlays—some have stricter rules than FHA actually requires, and you won’t know unless you ask. It’s a bit of a grind, but not impossible if you play it smart.
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