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You must enter a ZERO in any field where you don't have a
Monthly Payment.
No fields can be left blank! (Use 0's for N/A).

Debt Ratio's are what the Lenders Review when Approving a Loan,
Find out what yours are:

 Your Values

Total # of Payments
(30-Years x 12-Months = '360' Payments)

Interest Rate (6.5 or 7) (Do Not Input the % Sign)

The Homes Purchase Price

The Loan Amount (if different from Purchase Price)

Total Household Gross Monthly Income

Real Estate Taxes (1% of Your Total Purchase Price)

Homeowner's Insurance (Fire Insurance)

Private Mortgage Insurance
Used on 100% Purchase Home Loans or a More Than 80% Loan on Any Home.
For example $100,000.00 = $90 Per Month.

HOA Dues (For Condo or HOA Associations Only)

Total Monthly Car Payments (If Anyy)

Alimony / Child Support (Paid Monthly)

All Your Credit Card Payments (monthly)

Or Just Put All Your Monthly Debts Here

Look Below For Your Debt Ratio


(Principal & Interest)

Monthly Housing Expense

Monthly Bills

Loan-to-Value (LTV)

Housing Ratio 

Debt Ratio




For example: Your Housing and Debt Ratio should be between .28% to .42%
Let Us Help You Get A Loan, call us today for more infomation.

For more information complete the following:


First Name
Spouses Name
Last Name
Home Number ( )
ork Number ( )
ax Telephone ( )

E-mail Address  
Street Address
ity State Zip


Comments, Questions and/or Suggestions:




Copyright February 2, 2000.
All rights reserved.