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Background investigations are the main way to test the trustworthiness of an applicant. Just remember that if you have poor credit history, that you'll potentially have to secure the loan with some form of asset or property. No room will go unused, but they will not permit homebuilders to pre-determine their needs.  My web blog:  http://www.blogdigger.com/add.jsp?rss=http%3A%2F%2Ffind.hamptonroads.com%2Frss%2Freviews%2Fuser_reviews_rss2%2Ftvwy1j