logo


Home Page
President's Message
Locations and Hours
Credit Cards
Checking
Savings and CDs
Lending Products
ATM Networks
Go Direct!
Check Imaging
Merchant Services
Telephone Banking
Overdraft Privilege
IRAs
In Our Community
Privacy & Security
Disclosures
Contact Us
Money Matters
Kids Corner

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. Continue... I'll take the test later.

Dependents (including yourself) Score
One
2		 Two
2		 Three
2		 Four
1		 Five+
1
Years At Present Address Score
Under 2
years
1		 2 to 4
years
2		 5 to 8
years
2		 9 to 14
years
3		 15 years
or more
4
Years With Present Employer Score
Under 2
years
1		 2 to 4
years
3		 5 to 8
years
4		 9 to 15
years
5		 Over 15
years
6
Years With Previous Employer Score
Under 2
years
1		 2 to 4
years
2		 5 to 8
years
2		 9 to 15
years
3		 Over 15
years
3
Gross Monthly Income Score
Less
Than
$2,000
1		 $2,000
to
$2,600
2		 $2,601
to
$3,000
4		 $3,001
to
$3,600
5		 $3,601
to
$4,200
7		 $4,201
to
$4,600
9		 $4,601
to
$5,200
11		 $5,201
or
More
12
Approximate Savings: (passbook, money market, CDs, home equity-home value less mortgage balance) Score
Less
Than
$10,000
1		 $10,000
to
$17,000
2		 $17,001
to
$26,000
4		 $26,001
to
$38,000
5		 $38,001
to
$46,000
7		 $46,001
to
$56,000
9		 $56,001
to
$65,000
11		 $65,001
or
More
12
Percent Of Monthly Income Remaining After Expenses (excluding monthly rent or mortgage payment) Score
Under
10%
1		 10% to
25%
3		 26% to
33%
5		 34% to
50%
7		 Over
50%
9

To Find Out What Your Score Means, Click HERE

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.

Equal Housing and FDIC Logo
©1985 The Forms Group, All Rights Reserved