Still confusing to many are the mortgage rules that were introduced last year. Here is a chart to show what someone would qualify for if they put less than 20% down vs. if that same person put more than 20% down.
When you put less than 20% down, you have to qualify as if your mortgage was at the benchmark interest rate of 4.94%. If you have more than 20% down, you qualify based on your actual interest rate (ex. 3.04%).
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https://trustedidpremier.com/eligibility/eligibility.html
