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The final factor in determining the interest rate is the individual borrower's financial profile: personal assets, credit worthiness, and the size of the down payment he or she can make on the residence to be financed. Conventional Mortgage Requirements. In the years since the subprime mortgage meltdown in 2008, lenders have tightened the qualifications for cash advance business trip "no verification" and "no down-payment" mortgages have gone with the wind, for example but overall, the most of basic requirements haven't changed.
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Among the items required: 1. Proof of Income.