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One Minute Home Buy-Ability Test

How Much Home Is Right For You?

Take Our One-Minute Home BuyAbility Test

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

Dependants (including yourself)

One

Two

Three

Four

Five

Years at present address

Under 2 years

2 to 4 years

5 to 8 years

9 to 14 years

14 years or more

Years with present employer

Under 2 years

2 to 4 years

5 to 8 years

9 to 15 years

Over 15 years

Years with previous employer

Under 2 years

2 to 4 years

5 to 8 years

9 to 15 years

Over 15 years

Gross Monthly Income

Less than $ 2,000

$ 2,000 to $ 2,600

$ 2,601 to $ 3,000

$ 3,001 to $ 3,600

$ 3,601 to $ 4,200

$ 4,201 to $ 4,600

$ 4,601 to $ 5,200

$ 5,201 or more

Approximate Savings (passbook, money market, CD's, home equity - home value less mortgage balance)

Less than $ 10,000

$ 10,000 to $ 17,000

$ 17,001 to $ 26,000

$ 26,001 to $ 38,000

$ 38,001 to $ 46,000

$ 46,001 to $ 56,000

$ 56,001 to $ 65,000

$ 65,001 or more

Percent of Monthly Income remaining after Expenses (excluding monthly rent or mortgage payment)

Under 10%

10% to 25%

26% to 33%

34% to 50%

Over 50%

Retake Test Add Up My Points!

To find out what your score means, click here.

Note: 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. ©2014 The Forms Group, All Rights Reserved.

Mortgage Rates

30 yr. Conventional Fixed

Rate
7.375%

APR
7.484%

20 yr. Conventional Fixed

Rate
7.125%

APR
7.264%

15 yr. Conventional Fixed

Rate
7.000%

APR
7.173%

Learn More

Rate Effective Sept. 27, 2023. All Rates, Terms, and Conditions are Subject to Change or Withdrawal Without Notice. On a 30 year mortgage, with 0 points, for $100,000 with an interest rate of 7.375% (7.484% APR) ,the principal and interest payment would be $690.68 per month. *Payments do not include amounts for taxes and insurance premiums (if applicable) and actual payment obligation will be greater. Minimum loan amount $30,000. Maximum conforming loan amount $726,200. All loans subject to secondary market underwriting requirements. All Rates and terms are quoted for 1-2 unit owner occupied residences. Annual Percentage Rates (APR) is based on $100,000 loan amount, at the term and interest rate noted above.