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This is because the FHA penalizes banks for making too many "bad loans" and verifications can cut down on defaults.

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The best long term lenders tend to establish a relationship and target repeat business especially the long term loan lenders who offer options for the low credit demographics.

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3500 installment loan it is going to cost me nearly 30% of my gross income to send my daughter to a state school.

Having a guarantor makes it more likely you will be accepted for a loan where High Street lenders would reject you.