Monday, April 30, 2012


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1 comment:

  1. The down payment is a far more significant part of the application process than many people think, especially when applying for a home Hawaii mortgage loans with bad credit. From the point of view of the lender, bad credit always adds to the risk factor. But if the payment is large, then the level of risk is lowered.

    For example, with a normal 10% down payment on a $100,000 house, only $10,000 is made with a $90,000 mortgage required to complete the purchase. But if a larger payment of 20% were made, then the required Hawaii mortgage loan falls to $80,000. With a lower sum borrowed, the potential loss for the lender is lower too.


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