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NO=@ nOo=|?./. ?.AAHPHnNOHn/NOJOg B'/-?<./HzHzbvNuO HmNt-HXOg B'/.?<./HzHzbFNuO ?<./NO\O?/NO,/NO9$HHxHnHzHzhNuO:- g*Hn/ NOJ@POg/ HnNO/ HmNO`B.GJEf:Jmg4/-NOR@r2XO/HzHzhNu&/-/NOXO / ?.HmN4&HHnHm/N?<HnN?<./NO\O?/NOy/HzHzb Nu/NO9$H O*gHn/ NOJ@POf g / HmN:PO/NOpXO0-L N^NuVerifyRegistrationNV/ /vHxHzHzNu$HBnHn/ /.HzHzNu6Of,?./. /./.?./ HzHz Nu6O/ HzHzlNu0XO&$_N^NuDecodeRegNVH $n /././ /.NH=@*zvO` @@ RC0CpeXE|*Np*@B*B*?<?/ HzHzNu>FWDHPOLN^NuValidateRegNV/NO&Hn/NOe0<nHPO&N^NugetMonthNV/NO&Hn/NOep.@pPO&N^NugetYearA?E?FU4IHbq Buyer QualBuyerQual.prcYears RatePriceDownMortgage Monthly Payment: InterestPrincipal/InterestTaxInsurancePMIHOATotal PaymentMonthly DebtMonthly IncomeLTVunknownHTIDTIA" @Signature: Date: B 4"BEC - E ROR -T - E ROR -T - E ROR -T%30150.0%Interest:Principal/Interest:The Loan-To-Value ratio is exactlyThe Housing-to-income ratio is exactlyThe Debt-to-income ratio is exactlyA?E@FC@E~7<unY?#3?mo? UQ&M?t`A?͆Je?~(JEN?#U>fl?Vj%,Ak>f7ir?.B9?.CC \a l9<Ge+? :? B>/[?Ge+?G`B>T ]D?EnY - A?=p =? =p ?=p =?=p =IZM  S>EKAwE&VzEI EEnter the number of years for the loan. If in doubt, enter '30' years.Select the interest rate from the pu l down list. If you desire a di ferent rate, write it in.Enter the se ling price of the home.Select the percent of the down payment unle s you know the exact amount. If you know the amount the buyer wi l put down, write it in.BuyerQual wi l calculate the amount of the mortgage within this field.Buyer's total monthly debt. Only use credit report debts (i.e. auto loans/leases, credit cards, etc.), not bi ls (like utility payments). Only Use minimum payments. Ma ried couples use both spouses debts.Gro s pre-tax buyer income(s). If self-employed, use the di ference betw en their 10 9 income and their Schedule C deductions.Monthly property taxes: automatica ly calculated from the homes value and the a nual tax rate factor (default set to 1.5%). To change the default, use menu, options, preferences.Monthly homeowners insurance payments are also automatica ly calculated, based upon the amount of the mortgage and an a nual insurance rate. The default value in 0.5%.MI is the monthly mortgage insurance payment which homeowners pay if they dont have at least a 20% down payment on a home purchase (or 20% equity in the home on a refinance).LTV (Loan-To-Value) is the relationship betw en the amount of the mortgage loan and the purchase price of the property expre sed as a percentage.HTI (House-To-Income) is the ratio of the monthly house payment versus monthly income, and is expre sed as a percentage.DTI (Debt-To-Income) is the ratio of the total monthly debt (consumer debt plus house debt) versus monthly income and is expre sed as a percentage.This pu l down list sets up the Max Home Qualified For feature.This pu l down list wi l adjust the amount of home a buyer wi l qualify for by the buyers general credit rating and type of loan.Maximum home price buyer(s) qualify to purchase.Home value selected prior to ta ping on 'Max' bu ton.Di ference in value betw en initial home price input and the maximum home price buyer(s) qualifies for.Monthly principal and interest payment.Monthly propertry tax payment.Monthly homeowners or hazard insurance payment.Monthly mortgage insurance payment.Monthly Homeowners A sociation f e or dues.Total monthly mortgage payment including a l PITI (and HOA if a plicable).Select and enter the a nual tax rate for your locale (Rate) or a nual tax amount (F e).Select and enter the a nual hazard insurance rate for your locale (Rate) or a nual insurance amount (F e).Select either USA or Canada. Max Home Qualifier feature available only if USA selected.Select Fa nie Mae to have program automatica ly calculate mortgage insurance. If rate known, select 'Specify Rate' and enter the rate.Check HOA box if buyer(s) wi l pay Homeowners A sociation F es/Dues. Then select HOA payment period and enter payment amount. Program wi l adjust for monthly payment.Aa@A4>5 0BAXAAXAAXAAXAAX This a plication is Copyright 2 02, In-Hand, Inc.Invalid temporary registration.Invalid temporary registration!Not enough memory!Not enough memory.Out of memory.Not enough memoryNo registration code.Invalid registration code!Invalid hotsync IDYour registration has expired.Invalid registration stringInvalid temporary registrationInvalid registrationYou are not registered for this a plication version.Your registration expired on 01/%i/%i You have le s than %i months left in your registration. It wi l expire on 01/%i/%iYou have %i uses left in your registration.Thank you for registering! Please visit our website for the latest news and updates. @ %*s v. %istd :bad_exceptionAstd :exceptionA^nCJvEAXnEAdbad_exceptionexceptionstd :bad_a locAnCE2_ @J?2. UnfiledJ?J@J@2 `,A2}L t 0About Buyer Qualifierz'NBuyer QualifierOTwww.In-Hand.comP<i$ OKQVersion 1.9R.Copyright 2000-2004S>In-Hand Inc.@EB A Yw8 Cw^CxaCzEzFC{E{BABnAE܀ CE&B`AE C.EpD|DDDEB< CpE|BDAaCB(AD&EJ CtE2NBlEC BjCt1/ d58 36 MPOptionsSave To MemoPreferences-About Buyer QualifierRegistrationShare MeClick Here Z @```@```0p  p@p 1 `@ @0@ `0`` d, $$ $ @1ASystem IncompatibleSystem Version 2.0 or greater is required to run this application.OK p1BxD@H|1_Information^1 ^2 ^3OKWarning^1 ^2 ^3OKConfirm^1 ^2 ^3OKError^1 ^2 ^3OKTap Magic^1OK ?< BuyerQual In-Hand1.9