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20. Which of the following borrower characteristics are generally considered less risky by the bank/credit union when the borrower applies for a mortgage? Choose all

20. Which of the following borrower characteristics are generally considered less risky by the bank/credit union when the borrower applies for a mortgage? Choose all that are correct.

Low DTI (debt-to-income ratio)

Low credit score

Low LTV (loan-to-value) ratio

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