I'm looking to buy a historic house that is around 19k though it needs an additional 20k in renovations. I'm looking to take out a 45k loan through my bank. I need the additional 5k to consolidate and pay off my credit card debt. I'm a first time home buyer with a credit score around 680. Would I need to take out a personal loan or a mortgage loan or both to do what I want to do? Thank you for your help.
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