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Once completed, we are required to report the modification to the credit bureaus, which may negatively impact your credit. Some lenders also extend loans to those with scores below , but these lenders might require you to have more equity or carry less debt relative to your income. Lenders want to make sure you can really afford to borrow more money while keeping up with your previous obligations, so the lower the DTI, the better. You may be eligible 1 if:.
