Lenders typically look for a higher credit score than would be necessary for a regular 80 percent mortgage.
The 20 percent loan tend to have limits, such as $100,000. Most lenders require that the 80/20 be used for your primary home, that is, the home you plan to live in. In some cases, the lender will offer only an 80/20 on a single-family house, though this restriction varies.
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