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How do I refinance my home with slightly bad credit?

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We have to refinance our home by January or face a balloon payment. Our credit is not the best and we have had some late house payments. We do however have wonderful credit through our credit unoin and have never been late with any loans through them(car and camper payments and a past loan).They do not handle conventional home loans though. Our bad credit is mostly medical debit. Does anyone know of a place that will work with people in our situation? We don’t want to lose our home.

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