ANSWERS: 1
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No. With the crackdown on mortgage portfolios, VERY FEW mortgage companies will allow for a credit score of 460 to be ignored or even explained away. If the mortgage company brings him in on the mortgage, they have to look at everything. He can "gift" you some down payment money to improve your position on the loan, but he needs to stay the heck away from it until his score gets above a 680.
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