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Understand your credit score and how that affects your chances for a mortgage loan. Most lenders require a certain credit level, and if you fall below, you are going to have a tougher time getting a mortgage loan with reasonable rates. A good idea is for you to try to improve your credit before you apply for mortgage loan. Try getting pre-approved for a mortgage before you start looking at houses. This will make the closing process a lot easier and you will have an advantage over other buyers who still have to go through the mortgage application process. Besides,
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