Hi Dan, Since lenders have different lending preferences and criteria it could be that one of the lenders can qualify you, or offer you a better rate, with more money down. I think the best way to weigh this advice is to think about your own personal finances in light of the offers that you have. It can be a very personal decision – how big a downpayment you can afford, vs. the trade offs for a better deal. I would strongly recommend that you add one or two other lenders to the mix. Who knows? Maybe you’ll find the sweet spot that’s right for you of downpayment + offer and the decision will become more clear with more information.