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The good news and the bad news is that mortgage banks are DYING to give you money. Even with bad credit (and a 658 doesn't seem that bad) they'll loan you money, just at a much higher rate than they'd lend to many other people. My advice would be to shop around - maybe try lendingtree.com? - and to look at some programs like Fannie Mae and FHA that might be able to help you out.
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"If ten million people believe a foolish thing, it is still a foolish thing."
- Anatole France
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