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I don't know how you guys do it in FL but up here if you have 25% down you'll get the Mortgage. Try to clean up your credit by paying off everything(i know this sounds simplistic, but even after 3 months your credit can look better and 3 months goes by fast). And Shop around for a Good broker: if they say, 'I can't do it' look for someone who can. You may pay a small fee but you'll get your Property.
RE Guru has spoken.
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