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Tells you the loan amount you’ll qualify for within minutes. It just looks at credit scores and debt-to-income ratios, the way most mortgage lenders always have. Ideal for first-time home buyers.

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What is a USDA loan and am I eligible? – USDA loans aren’t reserved for first-time homebuyers-anyone can apply. Since USDA loans were created for prospective homebuyers outside of urban areas who have trouble qualifying for more traditional.

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Keep debt payments under control. When you apply for a mortgage, lenders pay close attention to your debt-to-income ratio, or DTI. It’s the percentage of your monthly income, before taxes, that goes.

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