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3.5% Down Bad Credit Florida Mortgage Lenders – HOW TO IMPROVE BAD CREDIT FLORIDA MORTGAGE CHANCES. In the hierarchy of credit if you can prove to the Florida bad credit mortgage lender timely rent then you have proven the ability to pay the mortgage. 2. Show the lender last 12 months timely payment history with 0 x 30 days late in the last 12 months on any credit reported obligations.

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