If you've decided to buy among Rancho Santa Fe homes for sale, but you have a credit report that is not perfect, you may still be able to do so by getting bad credit loans. These are intended for buyers who have credit issues and allow them to purchase a property even if they have a bad credit. Such problems include the following:
- Credit scores below 620
- Foreclosure within the previous four years
- Bankruptcy within the previous three years
- Late payments of 30 up to 90 days in the previous two years
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