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In the mortgage industry of the United States, A-paper is a term to describe a mortgage loan for which the asset and borrower meet the following criteria:

• In the United States, the borrower has a credit score of 680 or higher
• The borrower fully documents their income and assets
• The borrower's debt to income ratio does not exceed 35%
• The borrower retains 2 months of mortgage payments in reserves after closing
• The borrower injects at least 20% equity

See also

• Alt-A paper
• Subprime lending

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