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Europe's Space Agency Prepares to Solve 5 Mysteries of Jupiter
Europe's Space Agency Prepares to Solve 5 Mysteries of Jupiter
Home to a tangerine storm larger than Earth, owner of peachy winds so frigid you'd probably freeze on impact, and collector of 79 separate moons, Jupiter is something of a spectacle. Even its enormity is barely comprehensible. Take every planet in our solar system, slap their masses together, multiply that by two and you get a chunk about the size of it.
Who knows what could be going on over there. I mean, really.
Which is why, in April 2023, the European Space Agency plans on sending a space probe to join NASA's Juno orbiter in studying the Jovian lifestyle. It's called Juice, or the Jupiter Icy Moons Explorer. "Juice will make detailed observations of the giant gas planet and its three large ocean-bearing moons -- Ganymede, Callisto and Europa -- with a suite of remote sensing, geophysical and in situ instruments," ESA said in the mission's overview.
And on Monday, the agency also laid out five specific mysteries it wants to tackle once Juice gets to its destination at this mammoth of a planet in, hopefully, 2031.
ESA's first major question is the obvious one you might've guessed from Juice's full name: What's going on with Ganymede, Callisto and Europa?
In short, these three moons are at the forefront of the agency's endeavor because they're all suspected to have some sort of water on, or under, their surfaces. Europa, in particular, is projected by astrobiologists to have a hefty amount of H2O and, well, water equals the potential for alien life, which leads us to another of Juice's queries.
Has there ever been life on any of Jupiter's moons -- or, I guess, on Jupiter? In truth, probably not on the latter, because there's neither land nor water on this planet. There's only gas and atmospheric water vapor. Basically, if you tried to stand on Jupiter, you'd just fall in until you were crushed by the planet's immense gravity concentrated toward the center. That's if you could make it that far.
But returning to Europa, an icy world very much with solid ground, scientists currently have this region at the top of their lists of places we might find evidence of extraterrestrial life. In fact, NASA is building a spacecraft dedicated to scanning Europa for such remnants. It's called the Clipper, and it's quite impressive.
Jupiter, center, and its moon Europa, left, are seen through the James Webb Space Telescope's NIRCam instrument 2.12 micron filter.
NASA, ESA, CSA, and B. Holler and J. Stansberry (STScI)
Next, turning to Ganymede, another of ESA's wonders is: Why is Ganymede the only moon in our solar system with its own magnetic field? This one's pretty odd. Ganymede's magnetic field is so strong, in fact, that it even gives rise to auroras in its atmosphere, similar to the way Earth's magnetic field produces the northern lights when electrons get caught within.
Ganymede in the shadow of Jupiter, with its aurorae glowing.
NASA, ESA
But for some unknown reason, the rest of its moon community can't relate to its magnetic ventures. It's an outsider that way. "Juice's tour of Jupiter will include multiple flybys of these ocean-bearing moons, before culminating in orbit insertion around Ganymede -- the first time a spacecraft will have orbited a moon in the outer Solar System," ESA said.
Further, getting a little more general, ESA also wants to know if, and how, Jupiter's complex space environment shaped the trajectory or conditions of its moons. With 79 individual satellites orbiting it, this Jovian world basically holds its own solar system -- if Jupiter were the sun, that is.
And finally, the fifth and final box ESA hopes to tick while dissecting Jupiter is how such colossal balls of gas come into existence in the first place. Though colored with hues on the cooler end of the spectrum, Uranus, Neptune and Saturn are also wispy cradles of zippy molecules floating around our solar system. What would give rise to these extreme mini-universes?
If all goes well, by the 2030s, we may have some answers.
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Amazon Prime Day 2022: Remaining Deals on Laptops, TVs and More
Amazon Prime Day 2022: Remaining Deals on Laptops, TVs and More
We handpick the products and services we write about. If you buy through our links, we may get a commission. Reviews ethics statement
With Prime Day behind us, the deals have started to dry up. However, they're not quite gone yet. There are still a lot of discounts available to take advantage of right now. If you're looking to save some money, here's your cue. Amazon and many other retailers who were running their own anti-Prime Day deals are still offering plenty of big discounts on TVs, headphones, fitness gear, home goods and more. To help you take full advantage of these deals before they're gone, we've rounded up some of the best bargains still available below.
There have also been some rumors swirling that Amazon will have another Prime sales event in the fall, but you don't have to wait that long to find big savings with tons of great deals still available.
Update, 12:02 p.m. E.T.: Notable deals that we've found today that are new or beating Prime Day prices include:
We handpick the products and services we write about. If you buy through our links, we may get a commission. Read our reviews ethics statement.
Best remaining Prime Day deals on Amazon devices
Amazon Fire TV Stick 4K: $30
If you're wanting to add some smarts to your existing TV, you can do exactly that while saving 40% on Amazon's 4K-capable streaming stick today. Amazon's Fire TV Stick 4K is a great pick if you're new to smart TV functionality with its easy-to-use OS and included Alexa-enabled voice remote.
Best remaining Prime Day deals on TV and streaming
Roku Express: $18 (save $12)
Roku Express 4K Plus: $25 (save $15)
Chromecast with Google TV: $40 (save $10)
Nebula projectors : Up to $500 off
LG Cinebeam 4K projector: $1,260 (save $540)
Hisense 50-inch R6 Series 4K Roku TV: $280 (save $170)
Hisense 55-inch R6G 4K smart TV: $310 (save $290)
Sony 55-inch Bravia XR OLED A80K Series 4K Smart TV: $1,698 (save $302)
Sony 65-inch Bravia XR OLED A80K Series 4K Smart TV: $1,998 (save $302)
Sony 77-inch Bravia XR OLED A80K Series 4K Smart TV: $3,298 (save $202)
Best remaining Prime Day deals on tech and smart home
Google Pixel 6 Pro: $699
The Google Pixel 6 Pro's unique design, great software additions, superb camera quality and solid all-round performance have already earned the phone an excellent rating in our full review. With performance that's every bit as good as its design, it's the best phone Google has ever made. The main camera is on par with the best iPhones. And at $699 for the base 128GB model in this sale, it trounces its premium phone rivals in price.
Best remaining Prime Day deals on headphones and speakers
AirPods Pro: $170
While they've been out a while and the AirPods Pro 2 should be coming sometime in 2022, the Apple AirPods Pro remain a great pair of true wireless earphones. That's largely due to their winning design and fit, good sound, effective noise canceling and spatial audio, which is a virtual-sound mode for watching movies and TV shows. They're also excellent for making voice calls and have a top-notch transparency mode. Also worth noting: They're IPX4 splashproof, so they're suitable for sporting activities, though for a more secure fit you may want to invest in third-party foam ear tips, which are grippier than the tips Apple includes.
Their lowest price to date was $159 (in late 2021), but $170 is the lowest we've seen them for in 2022.
Best remaining Prime Day deals on home and garden
Best remaining Prime Day deals on health and fitness
Fitbit Versa 2: $114
The Fitbit Versa 2 is a fitness tracker that works with both Android and iOS to monitor calories burned, steps taken and is touchscreen compatible. Plus, it's water resistant up to 164 feet and has a long battery life with up to 144 hours of use. This fitness watch is just $114, $36 off from its original price.
Best remaining Prime Day deals on beauty and fashion
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What States Can and Can't Do When Banning Abortion
What States Can and Can't Do When Banning Abortion
For more information about your reproductive health rights and related federal resources, you can visit the US government's
Reproductive Rights
site.
Whether someone can get an abortion or related medical procedure mostly hinges on which state they live in after the Supreme Court overturned Roe v. Wade last month and ended the constitutional right to abortion. But the switch from federal protection to state law isn't straightforward and has led to confusion and misinformation on what pregnant patients and physicians can do.
In this still developing landscape, how confident can people be that their treatment is still legal?
"The answer to all your questions is 'Who the heck knows,'" said Dr. Louise Perkins King, a surgeon and bioethicist at Harvard Medical School. "And that's the problem."
The US Department of Health and Human Services issued guidance on July 11 reminding physicians of their responsibilities under the existing Emergency Medical Treatment and Labor Act, or EMTLA, which supports the need to treat and stabilize patients in an emergency, including pregnant patients who may require an abortion. Days later, Texas sued the Biden administration over the law, which allows for medical assistance to save the life of the mother, because, Texas Attorney General Ken Paxton said, it "seeks to transform every emergency room in the country into a walk-in abortion clinic."
On Tuesday, a judge in Texas blocked the EMTLA guidance, so physicians in that state may no longer be protected by federal law if they perform an abortion when they deem it medically necessary but it falls outside of Texas' interpretation of a life-endangering pregnancy. Physicians nationwide who are members of the American Association of Pro-Life Gynecologists and Obstetricians or the Christian Medical and Dental Association are also exempt -- a total of about 18,000 health care providers, according to the court document.
Texas' new trigger law -- which will be in effect on Aug. 25 -- bans all abortions except when the pregnancy puts the mother "at risk of death or poses a serious risk of substantial impairment of a major bodily function." Physicians who perform an illegal abortion will be committing a felony. It doesn't make exceptions for rape, incest or fetal abnormalities, and it also doesn't make an exception for when the pregnant person's risk of death would come from a "claim or diagnosis" that they'll be hurt or might die in the future. (This could be interpreted to mean a doctor can't provide an abortion if a woman threatens to die by suicide because she has depression.) All abortions are currently banned in Texas after the state's Supreme Court ruled that a law from the 1920s could stand.
Legal battles within some states will continue to shape post-Roe America, with the landscape changing by the day. And lawsuits like the one in Texas clarify the country's stance on whether state law preempts federal rule on abortion or reproductive health care. Basically, can federal regulations trump state law?
"There's going to be cases that are going to have to determine this question," I. Glenn Cohen, a professor and bioethicist at Harvard Law School, said.
The argument over medication abortion access -- which is banned or restricted in many states but still available to people if they order it (not without risk) online -- will likely also be one of the first big court cases post-Roe, Cohen said. Questions of whether federal regulations on medication abortion conflict directly enough with state restrictions will continue to be center stage.
Medication abortion, for use in early pregnancy, accounts for more than half of abortions in the US. Restricting the pills is the new frontier of abortion bans.
Robyn Beck/Getty Images
Other federal guidance issued by the Biden administration includes a reminder to pharmacists that they are required to fill medication and birth control prescriptions for patients. Failing to do so is discrimination based on pregnancy status. This was in response to the many reports of women having treatment delayed or prescriptions denied while health care workers try to navigate around new state laws.
Here's what we know today.
Can states ban abortion pills? Not completely, but some are trying.
Any state with a current total ban on abortion -- including Texas, Oklahoma, South Dakota, Alabama, Arkansas, Mississippi, Missouri and Wisconsin -- also bans medication abortion. Heavy restrictions in other states, including Tennessee and South Carolina, which ban abortion after about six weeks, also extend to medication abortion. This means providers can't prescribe the medication in those states and patients can't fill prescriptions at pharmacies.
"If a state law bans abortion broadly, that includes medication abortions," Elisabeth Smith, director of state policy and advocacy at the Center for Reproductive Rights, told MedPage Today.
But abortion bans and state laws seek to punish abortion providers or people who assist them, not the person seeking the abortion (there's reason to believe this might change in the future). For now, people living in the most restrictive states can still order pills from an overseas pharmacy, including Aid Access. However, the pills could take awhile to arrive and potentially put the person past the point of pregnancy for which the medication is safe and effective (about 10 weeks).
Peter Dazeley/Getty Images
The fate of medication abortion pills in Republican-leaning states centers on mifepristone, the first pill given in the two-dose regimen of medication abortion. Because the US Food and Drug Administration approved mifepristone as a safe and effective way to end a pregnancy over 20 years ago, states shouldn't be able to restrict it, the US attorney general's office argued the same day Roe was overturned. (Misoprostol, the second pill, is used off-label for abortion and miscarriage treatment. It's also used to treat health conditions such as stomach ulcers.)
Whether this federal regulation (and the FDA's stamp of approval) supersedes state laws will need to be decided. Cohen said this is likely to be determined by the Supreme Court as "one of the first post-Dobbs cases."
"It's unclear whether that's going to be a winner of an argument, to be perfectly honest," Cohen said.
Last year, the FDA extended a pandemic-era rule that allowed patients to get medication abortion pills through the mail, instead of requiring them to be prescribed in person. This was seen as a victory for the American College of Obstetricians and Gynecologists and other medical groups, which viewed the in-person requirement as unnecessary for a medication that's safe and effective in early pregnancy.
But states have their own requirements for medication abortion, and providers licensed in Montana can't prescribe pills to patients who travel over from a restrictive state like South Dakota, NPR reported.
Read more: Worries About Post-Roe Data Privacy Put Spotlight on Period Apps
Ectopic pregnancies can't result in a delivery and require medical treatment. Symptoms can start with typical pregnancy signs, including a missed period, but can progress to abdominal or pelvic pain, vaginal bleeding, weakness and more.
Svetlana Gustova/Getty Images
Can states ban treatment for high risk pregnancies? The HHS says no, but doctors say state laws are restricting care.
Even though the most restrictive states banning abortions leave room for some degree of medical emergency, practicing physicians need to decide where the medical emergency line is – and risk prosecution if a state sees it differently.
This month, the story of a 10-year-old girl who was raped and pregnant and who traveled to Indiana from Ohio, where abortion is banned around six weeks without exception for rape or incest, made headlines. Not only was the physician publicly questioned by Indiana's attorney general on whether she followed state law, but Ohio Attorney General Dave Yost said in the aftermath that the girl should've been able to legally get an abortion under the state law's medical emergency exemption. Ohio's OB-GYNs disagreed.
"It states specifically 'medically diagnosed condition,' and as far as I can tell, adolescent pregnancy is not a medically diagnosed condition that's listed," Dr. Jason Sayat, a Columbus OB-GYN, told the Ohio Capital Journal.
The Department of Health and Human Services reminded physicians and hospitals that if they want to keep their Medicare agreement and avoid "civil penalties," they must treat pregnant patients and provide abortions if necessary as required under the 1986 Emergency Medical Treatment and Labor Act. The EMTLA, now blocked in Texas, outlines certain life-endangering pregnancies that doctors must treat regardless of state law, including ectopic pregnancies, preeclampsia and complications of pregnancy loss.
But that narrow line of abortion exceptions for medical emergencies given by states like Wisconsin is what's troubling Dr. Jennifer McIntosh, a maternal-fetal medicine physician practicing in the state. While Wisconsin's attorney general said he wouldn't enforce a ban, physicians there stopped performing abortions because the state has a pre-Roe criminal statute that prohibits most abortions. The "save the life of the mother" abortion exception language in that law can leave out health conditions which may not be an immediate emergency but can become one down the line.
"Some of what we do is to prevent emergencies from happening," McIntosh said. "To have to wait for an emergency to actually appear puts your patient's life at risk."
The treatment for an ectopic pregnancy is termination, because terminating the pregnancy is the only safe outcome when an embryo grows outside of the uterus, typically in a fallopian tube. Without treatment, the fallopian tube is likely to rupture, which can lead to internal bleeding and death. But some laws, like one in Texas, specifically restrict medications including methotrexate, which has led to access problems for people who are pregnant as well as people who are taking methotrexate for another health reason.
Complicating confusion and risk over how abortion bans will affect treatments for ectopic pregnancies is the fact that more rare types of ectopic pregnancies exist, including ones where the pregnancy is growing inside a C-section scar or other area outside the safety of the main cavity of the uterus -- but still technically in the uterus. These rarer kinds of ectopic pregnancies are also life-threatening, and may be more difficult to diagnose and treat as such in a state that bans abortions with an emphasis on the pregnancy being in the uterus.
Saul Loeb/AFP/Getty Images
States are not prosecuting people who have abortions (yet)
Current state laws -- both those in effect and those in limbo in court -- prosecute other people involved in an abortion, not the person who's pregnant.
But the health impact may be already felt when a doctor is hesitant to treat patients, or pharmacists are reluctant to fill a prescription for mifepristone before interviewing a woman to ascertain whether her pregnancy is already ended and her situation is in line with state law.
"Even in these straightforward cases of basic OB/GYN practice, the laws leave providers questioning and afraid," Dr. Carley Zeal, an OB-GYN in Wisconsin, told The New York Times. "These laws are already hurting my patients."
Aside from hesitancy among health care providers, physicians also fear that worries people have about being prosecuted for having an abortion or miscarriage will stop patients experiencing complications from any kind of pregnancy loss from seeking care.
That's because it was already happening, before Roe was overturned. According to the National Advocates for Pregnant Women, there were over 1,700 arrests or prosecutions of women from 1973 (when Roe became law) to 2020 where their pregnancies were the focus of the case against them.
So will doctors report you if they suspect you had an abortion?
"The vast majority of health care professionals will not do that, because that's not caring for their patients," King said. But, she added, "I'm sure there's a very small, but unfortunately detrimental, minority who might."
Your current access to birth control shouldn't be impacted by the overturn of Roe v. Wade. However, there's reason to believe that could change in the future.
Carol Yepes/Getty Images
Birth control is still protected under the Affordable Care Act
Right now, IUDs, birth control pills and other birth control methods are legal in all 50 states. And they should also be covered at no out-of-pocket cost for those covered under the Affordable Care Act. The right to birth control is protected under two Supreme Court rulings: Griswold v. Connecticut (1965) and Eisenstadt v. Baird. (Another Supreme Court Case, Burwell v. Hobby Lobby Stores, chipped away a little of that protection, however, finding that some corporations are exempt for religious reasons.)
Plan B or "morning after pill" brands are also not included in abortion bans, because they will not end an existing pregnancy. Most health plans should also cover them.
Legislators in Missouri last year voted to block taxpayer funding for IUDs and emergency contraception, casting doubt that all birth control devices will be protected indefinitely, at least in some states. The claims of legislators like Paul Wieland, a Republican state senator in Missouri, are that anything that has the potential to disrupt a fertilized egg's implantation into the uterus is an abortifacient.
The medical community has been clear that IUDs and emergency contraception do not cause abortions and will not end an existing pregnancy. Copper IUDs work mostly by causing a chemical change in the sperm and egg before they meet, according to the World Health Organization. Hormonal IUDs like Mirena work mostly by thickening cervical mucus so sperm can't reach the egg, and can also prevent ovulation. Plan B and similar pills likely won't work if a person has already ovulated, meaning the chances of it stopping implantation are currently understood to be slim.
Nevertheless, unlikely occurrences or instances where a fertilized egg may be prevented from implanting into a uterus could be called into question in future court cases.
Read more: Could a Post Roe v. Wade World Impact Your Access to Birth Control?
The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.
Mortgage underwriting: How long it takes and everything else you need to know
Mortgage underwriting: How long it takes and everything else you need to know
When buying a home, mortgage underwriters evaluate your risk level to help a lender decide if your application should be approved. The mortgage underwriting process happens behind the scenes after you submit a mortgage application. The underwriting decision will ultimately determine if you qualify for a home loan, so it's helpful to understand the process, how to prepare and mistakes to avoid.
What is mortgage underwriting?
Mortgage underwriting is the part of the homebuying process when a bank assesses your delinquency risk -- that is, how likely you are to be unable to repay a home loan. During the underwriting process, you'll provide financial documents, including pay stubs, bank statements, W-9s, tax returns and profit/loss statements (for self-employed applicants) -- which will help a lender determine your creditworthiness along with your mortgage application. The more favorable your credit profile, the more likely you are to be approved -- and qualify for a lower interest rate.
What is an underwriter? What do they do?
Underwriters determine an applicant's creditworthiness and ability to pay back the mortgage over a loan's lifetime.
There are two types of underwriters: manual, handled by a real person, and automatic, which is managed by software. In both cases, your delinquency risk is assessed by reviewing your financial information and credit history. Automatic underwriting uses an artificial intelligence-driven computer program to determine your delinquency risk.
Although automated underwriting is faster, it's less flexible than manual underwriting. A manual underwriter can better account for inconsistent income or an error on a credit report. Some lenders use a combination of manual and automated underwriting to streamline this process.
Who pays for underwriting varies among lenders, but in most cases, the borrower (home buyer) is responsible for paying the underwriting costs during the closing process.
Five steps in the mortgage underwriting process
Step 1: Get prequalified
Before you start looking for a house, you can get prequalified to find out how much of a mortgage you're likely to be approved for. To prequalify you for a home, the lender will run a preliminary review of your financial information to determine if you can get approved for a mortgage. Be prepared to provide the following paperwork for prequalification:
Government-issued ID
Bank statements
Pay stubs
Prior two years W2s
Prior two years tax returns
Social security card
Once you're prequalified, it doesn't necessarily guarantee that you'll be approved for a home loan when you apply. Instead, it allows you to shop for a home within a set budget.
Step 2: Complete your mortgage application
Next, it's time to fill out a mortgage application and get preapproved for your home loan. During this step, you'll need all of the financial documents you provided when getting prequalified. The underwriter will perform a hard credit check and validate the financial information you've provided as part of the mortgage verification process.
Once verification is complete, the lender will issue a preapproval decision. If you're found to be a qualified applicant, your lender will issue a preapproval letter. Mortgage preapproval goes a step further than prequalification. When you're preapproved for a mortgage, the lender approves you for a specific loan amount, as long as your financial picture doesn't change.
Step 3: Make an offer on a home
With your preapproval letter in hand, you're ready to shop until you find the right house for your budget and lifestyle. When you do find the right home, you'll make an offer for the sellers to review. Having a preapproval letter can increase your chances of getting an offer approved quickly. It makes you stand out as a serious buyer since you're more likely to lock in financing.
Step 4: Wait for the appraisal and title search
If your offer is accepted, the lender will order an appraisal of the property. The appraisal helps determine the fair market value of a home and ensures the mortgage amount does not exceed the home's value. It's designed primarily to protect the lender, but it can also protect you from overspending on a house.
If the appraisal comes in for less than the asking price, you may need to search for an alternative property. Typically, the lender will not approve a home loan that exceeds the appraisal value. If the home has an asking price of $300,000, for instance, and appraises for $270,000, you would be responsible for making up the $30,000 difference. Sometimes, if a home appraisal comes in low, the seller will lower the asking price. Just be aware that you may have to walk away from a home that doesn't appraise as expected.
If the appraisal is in line with your offer and the loan amount, the lender will authorize a title search. The title company researches the property's history and ensures no claims exist on the property, such as a current mortgage or lien, pending legal action, restrictions or unpaid taxes. After the search, the title company issues a title insurance policy guaranteeing the search accuracy. Two title policies may be issued: one to protect the lender and sometimes, a separate policy to protect the buyer.
Step 5: The underwriting decision
Once all of the above steps are complete and your application is thoroughly reviewed, the underwriter will issue a judgment. Here are the most common underwriting decisions:
Approved: You provided all documentation, there are no title issues, and you are approved to receive financing for the mortgage. The next step is to set a settlement or closing date to sign all paperwork and receive the keys to your new home.
Approved with conditions: The loan is approved, but more documentation is needed. The required documentation could be a gift letter from funds received as down payment, proof of employment verification, letter of explanation or a completed and signed sales contract.
Denied: The underwriter determined it is too risky to lend to you. This might mean your credit history has negative marks, your income is too low to qualify for the loan amount or your debt-to-income ratio is too high to qualify. Your lender should provide you with the reason for your denial, so you can work on improving any factors that impacted their decision.
Suspended: The application has been put on hold because more documentation is needed. Once you supply the requested documents, the underwriting process can resume for a final decision.
How long does the underwriting process take?
The typical underwriting process ranges from a couple of days to several weeks-- though the entire closing process usually takes 45 days. To make sure the process goes smoothly and quickly, respond promptly to any lender requests for information and give a heads up to any references you list (such as an employer) so they will be prepared. Many lenders allow you to check the status of the underwriting process online, so you can be proactive if any documentation is missing.
Mistakes to avoid during the underwriting process:
Applying for new credit accounts. New credit applications and approvals can affect your DTI and change your credit score, which can impact your mortgage application.
Leaving a job. It could make things more complicated if you lose your job (or get a new one) during the homebuying process. If possible, wait until the mortgage process is complete before making any career changes.
Hiding financial information. If the lender finds significant financial information you've hidden or failed to disclose, it can delay the underwriting process or cause a denial.
Tips to streamline the mortgage underwriting process:
Review your credit report: Before you start the mortgage underwriting process, check your credit report to make sure it's accurate and correct any information that is not right. The minimum credit score you'll need varies by the loan type and lender, but generally, you'll need a score of 620 or above to secure financing. A score of 760 or better will help you lock in the best interest rates. Be sure you review the credit requirements for your loan type before applying.
Have your financial documents ready: Gather all the documents needed and submit them with the application. Check the underwriting status frequently so you can provide additional documents requested by the underwriter.
Respond to lender inquiries promptly: If the lender or underwriter reaches out, respond quickly and provide any requested information as soon as possible.
Make a larger down payment: The larger your down payment, the better your chances of getting approved for a mortgage loan. A large down payment increases the loan-to-value (LTV) ratio, making you a less risky applicant from an underwriting standpoint.
