Ineed many people prefer a fixed-rate mortgage because it is variable. might go down. is predictable. costs the least. what best explains the relationship between a borrower’s credit score and a down payment requirement? someone with a high credit score may be required to make a higher down payment. someone with a high credit score may be required to make a lower down payment. someone with a low credit score may be required to make a lower down payment. someone with a low credit score may not have to make a down payment. in a mortgage, the amount of money borrowed is called the intrest fee point principle homeowners typically pay property taxes to reduce the amount of their mortgages. avoid having to make a down payment. finance state and local governments. finance the campaigns of politicians.