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If you do not want to borrow money to pay the down payment of your bad credit home loan, then an alternative is to look for a down payment assistance program. These programs legalize down payments, which otherwise are usually illegal. To easily convince the lenders to provide you with a bad credit home loan, you must try and improve your credit rating. To do this, you must make sure that you pay all your bills on time, and buy a major credit card, if you do not have one. Also, you must keep a check on your credit score and credit report.

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