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How to Qualify for a Conventional Loan 🏡✨ Conventional loans are one of the most popular mortgage options — but here’s what lenders actually look at 👇 ✅Credit score Most conventional loans require a minimum 620 credit score. The higher your score, the better your interest rate and loan terms. ✅Down payment You don’t need 20% down. Some conventional programs allow as little as 3% down for qualified buyers, especially first-time homeowners. ✅Debt-to-Income Ratio (DTI) Lenders typically look for
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