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Which factor would make a bank think that a prospective buyer would be more likely to pay a mortgage on time? Select the best answer from the choices provided. The buyer is currently paying other debts, including another mortgage. The buyer paid over 20% of the sales price of the home as a down payment. The buyer has been married for over 20 years. The buyer has a low credit rating because of credit card debt.

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The best answer is "The buyer paid over 20% of the sales price of the home as a down payment." 

This indicates that not only is the buyer paying above the minimum down payment, which means he/she has more cash than the minimum needed to purchase the home, but also that the monthly payments, interest, and total loan will be lower. All of this indicates a less risky prospective borrower. 

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