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
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