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Verification Of Mortgage (VOM) or Verification Of Payment (VOP) Borrower's Authorization Purchase Sales Agreement 1084A and 1084B (Self-Employed Income home equity line of credit and debt reduction 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 home equity line of credit and debt reduction 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 not soared. The median price for a newly constructed home is up 33% in the last five


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