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I had a client who needed to refinance her home as part of her divorce decree. Simple enough on the surface, except she was receiving child support income that was going into a joint account, which didn't meet loan guidelines. We didn't have enough income history in her own account to use it for qualification. She got it done, but not the way she wanted. Her father had to come on as a co-borrower to make it work. If she had come to me six months earlier, we could have fixed the account situation
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