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Mortgage lenders will verify your funding fee status during the loan process. The Certificate of Eligibility will usually indicate whether or not the borrower must pay the VA Funding Fee. VA buyers can ask the seller to pay this fee on their behalf, pay it in cash or finance it into their loan.
FHA mortgages don’t require "traditional" credit. First-time home buyers tend to carry credit scores which are lower than the general population. Often, this is because first-time buyers have only a short history of managing credit, and payment history is the largest component of a person’s credit score.
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