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A lot of buyers get told “you don’t qualify” and assume the house is out of reach. Most of the time, they’re actually closer than they think. 🏠💳 In this scenario, the income supports the purchase. The challenge is the monthly debt. Car payments and credit cards are taking up too much of the allowable range before the mortgage even gets factored in. Once that gets adjusted, whether it’s paying down debt or reallocating funds, the same deal starts to make sense. That’s why structuring matters. I
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