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How can I stay away from a subprime mortgage?

How can I stay away from a subprime mortgage?
The chances of being offered a subprime mortgage are slim to none. The rules for borrowing have tightened considerably and many companies that worked solely in the subprime market have had to close their doors. Your best chances for getting a traditional mortgage rely on knowing what you can afford, having a good credit score, and saving up a large down payment.
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