One-Minute Home Equity Loan Test

Dependents (including yourself)

One

2

Two

2

Three

2

Four

1

Five

1

Residence

Living With Parents

1

Rent Furnished

1

Rent Unfurnished

3

Own Home Mortgaged

5

Own Home Clear

7

Years At Present Address

Under 2 years

1

2 to 4 years

1

5 to 8 years

3

9 to 14 years

4

15 years or more

5

Years At Previous Address

Under 2 years

1

2 to 4 years

1

5 to 8 years

3

9 to 14 years

4

15 years or more

5

Gross Monthly Salary

Under $1,500

1

$1,501 to $2,500

2

$2,501 to $2,900

4

$2,901 to $3,800

7

$3,801 to $5,000

10

Additional Monthly Income (spouse)

Under $500

1

$501 to $1,000

2

$1,001 to $1,500

2

$1,501 to $2,000

3

$2,001 to $2,500

4

Years With Present Employer

Under 2 years

1

2 to 3 years

2

4 to 6 years

4

7 to 10 years

5

Over 10 years

6

Years With Previous Employer

Under 1 year

1

1 to 3 years

1

4 to 6 years

2

7 to 10 years

4

Over 10 years

6

Percent Of Monthly Income Remaining After Expenses

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)

Checking Account

1

Savings Account

1

IRA With Bank

1

CDs With Bank

1

Loan With Bank

1

Take Our Home Equity Loan Test

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One-Minute Home Equity Loan Test

Dependents (including yourself)

Residence

Years At Present Address

Years At Previous Address

Gross Monthly Salary

Additional Monthly Income (spouse)

Years With Present Employer

Years With Previous Employer

Percent Of Monthly Income Remaining After Expenses

Bonus Points (add up all that apply - maximum 3 points)