Which of the following phrases in an advertisement for a residential mortgage loan triggers the need for additional disclosures?

This phrase refers to a common condition in sales transactions but does not specifically relate to the terms of a mortgage loan. It does not imply any financial implications or requirements that would necessitate additional disclosures about the loan terms.

While this phrase targets a specific demographic, it does not inherently imply any financial obligation or requirement. Therefore, it does not trigger the need for additional disclosures related to mortgage terms since it lacks any mention of down payments or financing conditions.

This phrase suggests a low initial payment, but it does not state that no down payment is required. It implies a minimum requirement rather than an absence of one, which means it does not trigger the same disclosure requirements as the phrase "No down payment required."