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That includes healthy FICO scores, respectable down payments, stable income, and, yes, substantial reserves. Check with several competing lenders to see if your package is attractive enough to get you personal loans georgia' best rates. The Mortgage Reports Contributor. Peter G. Miller, author of The Common Sense Mortgage, is a real estate writer syndicated in more than 50 newspapers nationwide. Peter has been featured on Oprah, the Today Show, Money Magazine, CNN and more.

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