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Can I exclude an installment debt like a car loan if I have less than 10 payments left?

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Can we use his income but my credit?

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Can we use my higher credit score to qualify for a better rate without using my spouses?

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What is Hazard Insurance referenced on my estimate?

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Am I allowed to get a gift for closing costs and down payment? If so, who am I allowed to accept gifts from?

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Can I exclude existing debts listed on my credit profile if my business pays for the debt each month?

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