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view rate negotiation tactics
what you need to know
The best rate negotiation tactics for home equity lending include:
- keep your loan request at 80%LTV or lower
The lower your LTV, the better rate you will received - apply with a high credit score and history
applications with high scores will get lower rates
- maintain a debt ratio at 36% or lower
lenders give best rates to applicants with limited debt
- submit your application to multiple lenders
let these know you are shopping best overall terms and rate
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