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This is your debt-to-income (DTI) ratio. Paying down existing debt can reduce your DTI ratio, which can increase your approval odds and may get you a better rate. Prepare paperwork.

However, with an FHA loan, your down payment could be as little as 3.5%. If your credit score is below 580, you’ll need to put down at least 10%. Lower credit requirements.

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Where to exchange currency outside the U.S. Once you’ve reached your destination, avoid airport kiosks or other exchange houses. Your bank's ATM network is likely the best option.

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