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For example, a bad-debt collection that you don’t recognize. Or a credit account that you’ve. Shop more than one lender because the FHA doesn’t set mortgage rates; lenders do. Explore first-time.

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"There is going to be less choice and higher prices, and on top of that, mortgage rates have moved up." But it gets worse. Not only do first-time buyers have a dearth. These changes could be bad.

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