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Poll: How should I finance a home with credit below 720?

Interest rates reach a positive tipping point at a FICO credit score of 720. However, there are still options for credit scores below. If you are above 630, you are still in luck for reasonable financing. FHA and Conventional loans will approve to lower scores, however interest rates will be higher. Buyers want to know, what is the best option?
Results by voter:
Mortgage Professionals

Poll started 12:00AM Nov 19
Poll ended 12:00AM Nov 26

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