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It’s not as easy as it once was to get a home loan. Government regulations due to the recent housing crisis are the primary culprit. The requirements are more stringent than they were 10 years ago. Debt-to-income ratio requirements are much tougher than in the past. It’s more challenging to get a mortgage, but not impossible. Make your mortgage application more likely to be accepted: Have a down payment. The less money you need to borrow, the better your odds of being approved. The larger your down payment, as a percentage of the sales price, the more comfortable the bank will feel. Banks would much rather loan 70% of the value of the home than 95%. If your income or credit are less than impressive, a larger down payment can make a huge difference.