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Demystifying loan qualification

By Marcie Geffner -

Lenders consider a number of factors to determine whether a borrower is qualified for a home mortgage.

These factors include:
- Assets
- Credit score
- Debt-to-income ratio
- Documentation

Assets include checking and savings accounts, investment accounts, retirement plans and other sources of funds borrowers can use to make a down payment and pay closing costs.

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Reporter. Writer. Editor. Book reviewer. Part English major. Part MBA. Often at the beach. Always on a deadline.