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#4

Mizuho First-Time Buyer

Mizuho First-Time Buyer offers a slightly lower 75% LTV but compensates with the simplest underwriting process in this list, requiring only 1-year payslips—50% less paperwork than the average loan competitor. Its streamlined verification averages 5 days, outperforming the typical approval time of 7 days.

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Mizuho First-Time Buyer

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