G The Credit Score (FICO Score) rises 

H Interest rate decreases 

 G The down payment amount for a purchase transaction

       increases

 H Interest rate decreases 

 H The loan amount as compared to the value of the

       property (Loan-to-Value ratio) for refinance

       transactions decreases

 H Interest rate decreases 

 G The more income and asset documentation provided

 H Interest rate decreases 

 G The term of the loan increases

G  Interest rate increases

 G The paying of discount points increases

 H Interest rate decreases 

 G The length of the fixed rate period versus adjustable

       period for an ARM loan program increases

 G Interest rate increases

 G The less you pay "out of pocket" in closing costs

       (including broker/lender fees)

G Interest rate increases

 G  The total monthly debt service compared to income

       (Debt-to-Income ratio) increases

 G  Interest rate increases

G  The loan is used to take cash out of the property

         as opposed to refinancing the loan to lower the

         interest rate and/or payment

 G  Interest rate increases

 G  The length of prepayment penalty period increases

       or having a prepayment penalty clause on your loan

 H  Interest rate decreases