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Funding a down payment can be one of the biggest obstacles to homeownership as well as when refinancing a property. Loans typically require a borrower to make a down payment for the property they are considering, which could represent a significant expense, especially when added up with the other out-of-pocket costs new homeowners must budget for, such as closing costs, home insurance, and so on. However, mortgage lenders may be willing to consider an application with a lower down payment if the borrowers have a good credit score and some…