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BUYER QUALIFYING...................................................................52
QUALIFYING EXAMPLES ...........................................................53
Recalling Income/Debt Qualifying Ratios ....................................53
Storing New Income/Debt Qualifying Ratios ...............................54
(Simple Example Excluding Tax/Insurance) ..............................54
Association Dues)......................................................................55
"Restricted" Qualifying .................................................................56
"Unrestricted" Qualifying ..............................................................57
Ratios at Once) .........................................................................58
Finding Income Required and Allowable Monthly Debt...............59
Solving for Actual Qualifying Ratios ............................................60
PICK-A-PAYMENT AND COMBO LOANS ..................................61
Standard Fixed-Rate Loan - Entering Starting Payment .............62
Equity Builder Pick-A-Payment Loan (Zero-Month/30-Term) vs.
Standard Fixed-Rate Loan ........................................................68
Standard Fixed-Rate Loan - Finding P-A-P Savings for the First
Three Years (Versus the First Five Years) .........................................70
Fixed-Rate Combo Loan (1st TD/2nd TD) ..................................72
Combo Loan vs. Fixed-Rate Loan with MI ..................................73
Combo Loan - Storing a New LTV ................................................74
Fixed-Rate Loan w/MI ...............................................................76
Combo Loan vs. Fixed-Rate Loan w/MI....................................78
APPENDIX .......................................................................................80
Default Settings ...........................................................................80
Error Codes .................................................................................80
Auto Shut-Off ...............................................................................81
Batteries.......................................................................................81
Reset ...........................................................................................82
Repair and Return .......................................................................82
Warranty ......................................................................................83
Legal Notes .................................................................................84
Looking For New Ideas ...............................................................84
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