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It's possible to get a bad credit home loan.. When you're ready, buying a house can be a good investment, but it can also turn into a financial.
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The bottom line is: get accustomed to experimenting with different rates, down payment amounts, loan terms (30-year, 15-year, fixed-rate, adjustable-rate) to see how your maximum mortgage amount varies and how that affects the top price you can afford for a new house.