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Last I heard was that when you put down 35% down, you don't need to do a credit check (well I'm sure they do, but with that amount down you're considered very low risk). If you're considering putting 50% down, you should have no problem.
I'm also in the same boat, poor personal credit since my company gets all the income and I only pay myself as needed. Looking to get a house in February/April so I'll find out what happens then.
WG
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