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Brad and Ellen have been wanting to buy a house. They were married last year and have been renting an apartment. They both work and have good jobs but they have not established any credit. Brad and Ellen have gone to realtor but the realtor could not help them. A friend suggested a different realtor and Brad and Ellen decided to give it another try. This realtor had a no credit home loans that they would be able to get. They were so happy that they were finally going to be able to buy a house and move out of the apartment.