To improve your chances and potentially lower your rate, consider these steps recommended by Bankrate and Starling GMC :
: Offering a larger sum upfront (e.g., $3,000+) lowers the loan-to-value ratio, making you less risky to lenders [13, 24].
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: A friend or family member with "Good" or "Excellent" credit can help you qualify for much lower interest rates [4, 24].
