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Conventional mortgages and other financial products provided by traditional lenders come with a lot of hurdles, including a mortgage stress test. If you don’t pass the stress test, you don’t get the mortgage. If your credit isn’t good enough for the big banks, your mortgage application will get rejected.

There are other options. Instead of using a traditional lender like the big banks or a trust company, you might want to consider using a private mortgage lender. Because traditional lenders are not federally regulated, they do not need to adhere to the same prohibitive rules.

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