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 · The more money you are able to put down on a home, the smaller your monthly mortgage will be. Sizable down payments can also help you get approved for a loan if you have bad credit. Be sure to set aside money for the closing costs as well, which can cost 3-6% of the purchase price.

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. the biggest hurdles to overcome when you’re shopping around for a used car with bad credit. There are lenders and dealers out there that offer "no money down car loans". It would be nice to think.