WASHINGTON -- They are the three biggest snares for home buyers seeking mortgages, and if you focus on them in advance you're much less likely to have your application denied. This is especially true if you're buying -- or planning to buy -- your first home. So what are they? A recently completed Federal Reserve study covering millions of mortgage applications found that flunking the debt-to-income (DTI) test is the No. 1 reason why loan applicants get rejected.
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