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bad credit mortgage refinance: Getting a Mortgage Without Perfect Credit BusinessWeek via Yahoo! News The government keeps promoting programs designed to help existing homeowners refinance their mortgages at a lower rate, as well as get perspective buyers into homes. In other words, Uncle Sam says he's here to help. "Phooey, " say homeowners and prospective homeowners, who keep complaining that it is ridiculously hard to get a mortgageor refinance one. Can both sides be right? Unfortunately, yes

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