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A mortgage represents a loan to buy a home. Fixed-rate and adjustable-rate mortgages are the two main types of mortgages, but there is a wide variety of mortgage products available. Sources for mortgage loans include mortgage banks, mortgage brokers, banks, thrift and credit unions, home builders, real estate agencies, and Internet lenders.

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My husband wants to leave me off the mortgage because I am not working, my credit score is only 521 and the school loan that is in collections is hurting my score until we pay it off by the end of.

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