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Conventional Have a substantial down payment and good credit Consumers with 620 FICO score or higher Higher approval. than FHA or VA You aren’t necessarily limited to this list either, as many.

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The net effect of that net effect is that mortgage lenders simply don’t have much to work with when it comes to pushing rates any lower. Even if they did, it would still be slow going because mortgage lenders have a similar relationship with MBS as MBS have with Treasuries.

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