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Most people check their credit score, see a number, and move on without understanding what that number is costing them. Every number is a bank rating you. And if a bank is the only way you know how to buy a house, then your score is your ceiling. That's just a fact. HOWEVER, some of the best deals I've ever done never touched a bank. No application. No score pulled. Just me and a seller agreeing on a price, a payment, and a timeline that worked for both of us. Your credit isn't stopping you. It'
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