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Surveys on mortgage loan borrowers show that most Americans are paying more than the actual costs of their homes. Additional fees or what are called “junk fees” burden most home owners on their home loans.

After the crisis of bad credit and filing for bankruptcy, perhaps you may feel intimidated of starting up new transactions. For instance, you may feel disheartened about purchasing a new home because of your bad credit history. However, even if you have a record of bankruptcy in your credit report, there is still a chance to make a new start.