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Home Ownership
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Lesson 16
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Rate Factors
Rate
Factors
Estima rate real. Descubre qué mejorar.
Market baseline
Baseline actual del market.
Credit score
780+
740-779
700-739
660-699
620-659
<620
LTV
≤75% (25%+ down)
80% (20% down)
90% (10% down)
95% (5% down)
96.5-100%
DTI
<28%
28-36%
36-43%
43-50%
Tipo loan
VA
Conv 30-yr
FHA
USDA
Jumbo
Conv 15-yr
ARM 5/1
Property type
Single-family primary
Condo
Multi-unit 2-4
Second home
Investment