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First-time home buyers usually find that accumulating. of what you can afford, use Bankrate.com’s How much money can I borrow for a mortgage? calculator. Before you tour homes, get preapproved for.

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And that’s pretty much the cutoff score for getting a mortgage. If you’re using FHA financing, then you need a credit score of 500 or higher. And in the 500 to 579 range, if you can find a lender,

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