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Bad credit. so step one. shes got to improve her credit. because without great credit scores, it doesnt matter. anything else doesnt matter. but in todays environment where more people are upside down on their mortgages than anywhere else, there are some programs that can help her. the harp program under the president obama is making homes affordable, designed for people who have high ltv loans, meaning they owe either as much or more than the home is worth. be aware, these have credit down side...

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