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SECURED LOANS: YOUR HOME MAY BE REPOSSESSED IF YOU DON’T SUSTAIN REPAYMENTS ON A MORTGAGE, MORTGAGE OR EVERY OTHER DEBT SECURED ON IT. There are certain credit score restrictions, nevertheless, however we do provide many various kinds of loans for many credit score situations. Proof of Income: Lenders wish to know that you just income is sufficient to not only meet your present obligation, but to potentially meet the duty of a brand new loan as well. USAA : Home enchancment loans from USAA haven’t any origination charge on loans of up to $20,000.