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The Challenges of Buying a Home with Bad Credit. Mortgage lenders look at a lot of factors to determine if you qualify for a home loan. Of course, your annual income and debts are crucial, but your credit score is also a significant factor.
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Bad credit could tack an extra $15,000 onto your mortgage – You can get a mortgage, but it will cost you, according to a new lender survey by LendingTree. If you have bad credit, you could be looking at an additional $15,000 in extra costs over the life of.