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Thats right the market has hit the bottom of the barrel!! What we feared most has just happened, all conventional loans starting April 1, 2008 (means funded by) must have a down payment no matter what the credit score is. Not even 800 scores can get a LTV over 97% (All Fannie Mae and Freddie Mac Loans)... Why you say? The reason is simply because all of the Mortgage Insurance companies have decided that they will not insure any loans with LTV (Loan to Values) over 97%. So since the Insurance companies not cover any loans over this limit the banks can't offer … (2 comments)
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