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Bad credit can happen to anyone. All it can take to damage your credit score is a few missed bill payments, some maxed out credit cards or even life circumstances beyond your control, such as divorce or serious illness.. When you have a lower credit score, it can be much harder to get a home loan. You might also be subject to higher interest rates and fees than someone with better credit.
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Back to top. 5 tips for finding the best mortgage lenders. To get a jump-start on the mortgage loan process, use these five tips to find the best lender for you.