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New York

Mortgage lending eases up

New policy changes support smaller down payments, more gifting

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From the January issue: When it comes to buying a home, many feel that they are in the “no way I could possibly qualify” category. Obstacles include not enough cash in the bank for a down payment or closing costs; credit scores that are good but not great, or so much deferred student loan debt that a potential homeowner assumes that any lender would slam the door. [more]