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If you are looking to get started in real estate or business, it's quite possible that you will need a loan to get started.

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Multi-family units can range from low-end to luxury type units.

Consider that your relationship with a mortgage lender will last anywhere from 15 to 30 years.

With a higher credit score, you can then refinance your mortgage for a lower interest rate.

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You don't want to risk a lower credit score with missed payments.

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