*Includes
persons with a past history of bad credit, or you just want to start over
again, and have minimal credit or don't have any credit!

QUICK QUALIFIER
THE FOLLOWING CHART IS DESIGNED AS A GUIDE TO HELP PROSPECTIVE HOME
BUYERS DETERMINE THE AMOUNT OF MORTGAGE FINANCING THEY CAN QUALIFY FOR. THE
CHART ASSUMES AN INCOME TO HOUSING RATION OF 33% AND A 20% DOWN PAYMENT. HOME
BUYERS MAY QUALIFY FOR MORE OR LESS THAN INDICATED ON THE CHART, DEPENDING
ON CREDIT HISTORY, EMPLOYMENT STABILITY, AMOUNT OF DOWN PAYMENT, AND THE
TYPE OF LOAN THEY ARE CONSIDERING.
INCOME..7%........7 1/2%...8%........8 1/2%...9%........9 1/2%...10%
$30,000..........$101,500..$96,500.....$92,000....$87,800.....$83,900....$80,300......$76,900
$34,000..........$115,000..$109,400...$104,300..$99,500.....$95,100....$91,000......$87,200
$38,000..........$128,500..$122,300...$116,500..$111,200...$106,300..$101,700....$97,400
$42,000..........$142,000..$135,200...$128,800..$122,900...$117,400..$112,400....$107,700
$46,000..........$155,600..$148,000...$141,100..$134,600...$128,600..$123,100....$117,900
$50,000..........$169,100..$160,900...$153,300..$146,300...$139,800..$133,800....$128,200
$54,000..........$182,600..$173,800...$165,600..$158,000...$151,000..$144,500....$138,500
$58,000..........$196,200..$186,600...$177,800..$169,700...$162,200..$155,200....$148,700
$62,000..........$209,700..$199,500...$190,100..$181,400...$173,400..$165,900....$159,000
$66,000..........$223,200..$212,400...$202,400..$193,100...$184,600..$176,600....$169,200
$70,000..........$236,700..$225,300...$214,600..$204,800...$195,700..$187,300....$179,500
$74,000..........$250,300..$238,100...$226,900..$216,500...$206,900..$198,000....$189,700
$78,000..........$263,800..$251,000...$239,200..$228,200...$218,100..$208,700....$200,000
$82,000..........$277,300..$263,900...$251,400..$239,900...$229,300..$219,400....$210,200
$86,000..........$290,800..$276,700...$263,700..$251,700...$240,500..$230,100....$220,500
$90,000..........$304,400..$289,600...$276,000..$263,400...$251,700..$240,800....$230,800
$94,000..........$317,900..$302,500...$288,200..$275,100...$262,900..$251,500....$241,000
$98,000..........$331,400..$315,400...$300,500..$286,800...$274,000..$262,200....$251,300
$100,000........$338,200..$321,800...$306,600..$292,600...$279,600..$267,600....$256,400
