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Not long ago, lenders were handing out mortgages to anyone with a phone number and a pulse. No money for a down payment? Not a problem! Low credit score? Who cares? Incarcerated? You’ll need a place to live when you get out, right? Those easy-money days are history. As the mortgage meltdown has spread, lenders are demanding stellar credit and proof of income. Zero-down payment mortgages have just about disappeared. More…