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    normal. If you want to lower your costs, there are several things you can do to prepare prior to applying for the loan.

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    ings you can do to prepare prior to applying for the loan.

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    Wait the Appropriate Amount of Time
    While it is possible to find a lender who will refinance your Missouri mortgage the day after your bankruptcy is discharged, you might be better off to wait at least six months before applying for a loan. This will give you more lending options, as well as

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