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A compensating factor is a bonus, something in the loan application which helps the lender give the borrower the benefit of the doubt. Reserves, even when not needed to officially qualify for a home loan, can serve as compensating factors fr marginal applicants. As an example, the VA says compensating personal loans money shop may affect the loan decision.
These factors are especially important when reviewing loans which are marginal with respect to residual income or debt-to-income ratio. The message is clear: Even if lenders do not require reserves a healthy dose of liquid assets can smooth the way to mortgage success.
What Are Todays Mortgage Rates. Todays mortgage rates are better for those who have the most attractive application packages.
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This was true regardless of the level of inflammation in their joints.