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A hard money loan might be an appropriate option if you do not have a high enough credit score to secure a loan from a bank. They are generally used as "bridge" loans between construction financing and long term loans; hard money loans are often used for construction because longterm lenders may want finished and leased projects.
If you are buying a home in Pflugerville that needs minor or major upgrades, an FHA 203k Loan is one of many Texas rehab loan programs that includes funding for home renovation costs in the original loan amount, at the time of purchase.
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