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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 asset based lending jobs federal income tax records for last two years Verification Of Mortgage (VOM) or Verification Of Payment (VOP) Borrower's Authorization Purchase Sales Agreement 1084A and 1084B (Self-Employed Income Analysis) and 1088 (Comparative 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 asset based lending jobs demand asset based lending jobs houses, especially in the most land-starved coastal regions, it is almost remarkable that new-home prices have not soared. The median price for a newly constructed home is up 33% in the last five years in the United States, to $228,800 in August from $171,500 in August 2000, according the statistics from the National Association of Home Builders. ``Changing it isn't going to decrease homeownership,'' she said. ``It may help expand homeownership to low- asset based lending jobs middle-income people who can't take advantage of it now.'' In the third quarter of 2005, 72 percent of Freddie