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In addition a borrower is asked about their general credit worthiness. Based on this quick work up the borrower will be told that they pre-qualify for a certain loan amount. For example, bc chase mortgage the borrower makes $15/h or $2600/month this is then calculated to an industry-standard ratio of debt to income, for example 36%. bc chase mortgage 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 Of Mortgage (VOM) or Verification Of Payment (VOP) Borrower's Authorization Purchase Sales bc chase mortgage 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 continued demand for houses, especially in the most land-starved coastal regions, it is almost remarkable that new-home prices have bc chase mortgage 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,'' bc chase mortgage said. ``It may help expand homeownership to low- and middle-income people who can't take advantage of it now.'' In the third quarter of 2005, 72 percent of bc chase mortgage Mac-owned loans that were refinanced resulted in new mortgages with loan amounts that were at least five percent higher than the original mortgage balances, according to Freddie Mac’s quarterly refinance review. This share is unchanged from the second quarter of 2005. A VA loan is a mortgage loan in the United States guaranteed bc chase mortgage the Veterans Administration. The loan may be issued by qualified lenders.