· Even if you had good credit, most lenders would still require an LTV of 80 percent. Fortunately, the housing market has recovered significantly since the 2008 mortgage crisis.
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If this is higher than 40 percent, it will make it difficult to find a conventional home loan. So if you’re trying to find a mortgage in San Antonio with bad credit, we recommend starting with some of the government programs designed for people in your situation.. Bad Credit Mortgage Loans.
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