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Mortgage Advice needed
Boring numbers (approximate)... Income $70K, Current mortgage $58K, property value $150K, no credit card debt or other outstanding loans, credit score 690. I want to re-fi but the property is in sore need of repair so getting a loan is questionable as creditors want to see the property upgraded first. (Catch-22) Should I apply for a credit card and take a hit on my score in order to raise the score in the long run? Any suggestions on where to get a mortgage in my current situation?

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