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Rachael Novak | Real Estate Expert on Instagram: "You’re in your 30s to 40s and thinking about buying. Here’s what most people don’t tell you. A 580 credit score can still get you a home. FHA loans go that low. Stop waiting for perfect credit. Paying off collections can actually drop your score. Old debt that’s been sitting there? Paying it reactivates it on your report. Talk to a lender before you do anything. Seller concessions can cover your closing costs. You can literally negotiate for the
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