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If you believe that God loves all his children equaly and we are all made in his likeness...then yes Clay is a Christian.This is what I have been taught all while I was growing up in my church and this is the lesson that has always been the most important to me. God has always held a promanent place in Clay's life and he has always made that known.
Sure they will qualify everyone by 2 1/2 times your income. you would be able to get a loan for around 120000.00 with a fico over 525