Regulators ease rules for loans with low down payments

Regulators recently have backed off of requirements for banks to hold high capital levels for certain mortgages -- particularly those with higher loan-to-value ratios, which include loans made with low down payments. The move is lauded by observers in the housing industry, who say the more lax requirements will ease access to mortgages for first-time homebuyers and others without large sums of cash on hand.

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