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Many factors are considered when applying for a low down payment home loan. These factors include a good credit background, sufficient appraisal value, and adequate income to pay the monthly mortgage payment. While these factors are important other considerations are also taken.

There many things to consider when refinancing your home loan. The fees associated with refinancing can add up quickly so, many mortgage companies will waive fees associated with refinancing applications and legal fees.

Debts that go unpaid can damage your credit and make it difficult to obtain a home loan. In some cases it is recommended that before obtaining a home loan the borrower consolidate or pay of his debt.