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Fix any errors and take steps to improve your score with improved financial behavior  long before applying for a mortgage loan. A lender can help you determine which steps will boost your credit score fastest, but depending on your situation, it could take at least several months or even a year before you can push your score high enough to qualify for the lowest interest rates on a conventional loan. quick cash loans middletown ny movies johncash loan bad credit unemployed loans with no bankpayday loans online no credit check direct lender ukulele music Spend the proceeds of your unsecured personal loan responsibly. In case there will be extra funds left, it is highly-recommended that you use it to bring down the principal amount you borrowed. Better yet, you can set it aside to cover your repayments for the first two to three months. 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