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Bank of America’s 2018 Fall Home Insights report finds that 16% of Millennials wrongly believe they do not have good enough credit to purchase a home. Improving a credit score may provide a wider range of loan options, but buyers with low credit scores may still be able to qualify for an FHA loan. The Federal Housing Administration offers 3.5% down payment loans to buyers with a credit score of at least 580. Buyers with a credit score lower than 580 may still qualify with a down payment of 10%.

For more information on improving credit and FHA loans visit and

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