No creditor is gonna want want a piece of your sweet assets these days unless you’ve got a nice fat down payment
and a plunging debt-to-income ratio that reveals a nice plump credit score. Here’s the new rules of credit-worthiness game:

THEN | NOW
Best credit score: 680 | 720
Down payment: 0-10% | 10-20%
Debt-income ratio: 55-60% | < 41% [via USAA Magazine (PDF)] (Photo: me and the sysop)

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