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Many factors contribute to lagging homeownership rates for blacks, including credit scores, income levels and disproportionate levels of subprime-loan originations.
I get this question all the time.
How does credit factor into a mortgage program
Do I need PMI?
Ways to qualify for Home ownership
How to improve your credit scores for a VA FHA, or conventional mortgage Loan.
You can buy a home without a large down payment or perfect credit.
What kind of leader are you?
For people with poor credit or no FICO credit score, a credit-builder loan is a safe and inexpensive way to improve their financial profile.
Confused by a drop in your credit score after paying off a loan? Don’t panic — your score will recover. Learn how paying off a loan affects your credit.