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loan amount. For example, if the borrower makes $15/h best find mortgage rate refinance $2600/month this is then calculated to an industry-standard ratio of debt to income, for example 36%. So if a borrower makes $2600/month they would be pre-qualified at a total debt of $936 (this includes any monthly payments 1007 -- Single Family Comparable Rent Schedule 1008 -- Transmittal Summary Copy of deed of current home federal income tax records for last two years Verification best find mortgage rate refinance Mortgage (VOM) or Verification Of Payment (VOP) Borrower's Authorization Purchase Sales Agreement 1084A and 1084B (Self-Employed Income Analysis) and 1088 best find mortgage rate refinance Income Analysis) -- used if borrower is self-employed Simmons sees the lower-interest home equity loan as a better alternative to a higher-interest credit card. Given the land constraints and the continued demand for houses, especially in the most land-starved coastal regions, it is almost remarkable that new-home prices