Home Equity Test

Select the answer that best describes your situation in each question
below. When you're finished, click Add Up My Points.

Dependents (including yourself) Score:
One
2		 Two
2		 Three
2		 Four
1		 Five+
1

Condition Of Your Home Score:
Poor
0		 Fair
1		 Good
2		 Very Good
3		 Excellent
5

Years At Present Address Score:
Under 2
years
1		 2 to 4
years
2		 5 to 8
years
3		 9 to 14
years
4		 15 years
or more
5

Gross Monthly Income Score:
Under
$1,500
3		 $1,501 to
$2,500
4		 $2,501 to
$3,500
5		 $3,501 to
$5,000
6		 Over
$5,000
7

Years With Present Employer Score:
Under 2
years
1		 2 to 3
years
3		 4 to 6
years
4		 7 to 10
years
5		 Over 10
years
6

Years With Previous Employer Score:
Under 1
year
1		 1 to 3
years
1		 4 to 6
years
2		 7 to 10
years
4		 Over 10
years
5

Percent Of Monthly Income Remaining After Expenses Score:
Less Than
10%
1		 10% to
15%
2		 16% to
25%
3		 26% to
33%
4		 Over
33%
5

Bonus Points (add up all that apply - maximum 3 points) Score:
Checking
Account
1		 Savings
Account
1		 IRA
With Bank
1		 CD
With Bank
1		 Loan
With Bank
2

To Find Out What Your Score Means, Click HERE

This chart is for your information only. It does not include all of the factors we
consider in evaluating a loan request such as your payment history and your ability
to meet your monthly obligations. We reserve the right of final loan approval.

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