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firts time buyer,the underwriter will look at the higher than normal housing ratio and have concern. to offsett her/his concern they will need compensation factors to off set risk. they will also want a DU or LP total score card approval. a computer program that say yes or no to the risk factors.compensation factorslow payment shock3 or more months reservesaddtional income not used in qualifing (commssion income?)low credit userclean creidt historystable income history ( not to much of compfactor these days)hope this helps
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