Once it was unusual to have a bad credit history. In the financially tumultuous times of today, it is almost unusual not to have a few smudges on your credit reports. This fact of life has been recognized by lenders and there are home loans for those with bad credit. After all, even folks with bad credit need a place to call home. Some of these are loans guaranteed by the federal government and come under the auspices of the Federal Housing Authority (FHA). Since these loans are underwritten by the government, lenders are a little less apprehensive about granting such loans.
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