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I would like to start off by saying my credit score is not the best and that did not change the way of thought by my loan officer with this company, she was very kind and explained to me what was going on every step of the way. American Equity Mortgage is a company that I would recomend to any of my friends and even family for any future mortgage needs. I never had any surprises nor was I ever left wondering. Take my advise, at least give them a call, it can't hurt if you and your family are in trouble like I was.