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"Lending standards have also been strengthened, although in some areas the pendulum may have swung a bit too far," Dr Lowe.

Frydenberg urged lenders to pass on the rate cut, suggesting the full 0.25% was worth $720 a year to families with a mortgage.

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The Melbourne Village, FL FHA home loan is a great choice for borrowers looking to buy a home with little money down. When home buyers choose FHA it allows for easier credit score qualification. In most cases you can qualify with 580 credit scores.

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