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The Fannie Mae HomeReady Mortgage is designed for home buyers who don’t fall into typical lending approval guidelines. If you have a low down payment, need to use income from a household member who’s not on the loan, need to have a co-signer, or need to use income from renting out a room in the home you’re buying, the HomeReady mortgage might be right for you.
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Ask a real estate pro: What’s the best way to get a mortgage? – While it is a good idea to start at your bank if you have good credit, a talented mortgage broker may get you a better deal. questions and will want more paperwork than you expect. Be ready with.