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One bank saying no doesn’t always mean you’re out of options. I recently worked with someone who had a credit score around 540 after a major bank wouldn’t move forward with them. By finding a lender and loan program that fit their situation, we were able to complete a cash out refinance and consolidate debt. In their case, restructuring the debt improved monthly cash flow by about $2,500. Every borrower and loan program is different, so approval is never guaranteed. But before assuming a bank’s
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