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Applying for a home with a credit score under 650 doesn’t automatically mean “never”—but it often means “not yet.” 🏡📉 When you apply too early, you risk higher interest rates, tougher loan terms, or straight-up denials that can add extra inquiries to your report. Those inquiries can temporarily lower your score and make the next application even harder. A short delay to strengthen your credit can save you thousands in interest and open the door to better loan options. Paying down balances, cle
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