Down payments will be determined by the loan type and loan amount.  The down payment generally has a minimum amount, for example a standard conforming loan requires a 5% down payment.  Any amount over that is considered a strong factor for the borrowers as is reflects a strong propensity to save.  FHA loans are often closed with the minimum down payment however the same factors are considered, a down payment above that amount is considered very favorably.  The value of compensating factors should always be considered a strong positive attribute in the loan approval process.  Use the mortgage calculators to ascertain just how much of a compensating factor or factors your individual loan request possesses.  Examine the debt ratios as well as the down payment when utilizing the mortgage calculators.

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