Save On Taxes and Interest With
Home Equity Borrowing

Dependents (including yourself)					Score:
One 2	Two 2	Three 2	Four 1	Five+ 1

Condition Of Your Home					Score:
Poor 0	Fair 1	Good 2	Very Good 3	Excellent 5

Years At Present Address					Score:
Under 2 years 1	2 to 4 years 2	5 to 8 years 3	9 to 14 years 4	15 years or more 5

Gross Monthly Income					Score:
Under $1,500 3	$1,501 to $2,500 4	$2,501 to $3,500 5	$3,501 to $5,000 6	Over $5,000 7

Years With Present Employer					Score:
Under 2 years 1	2 to 3 years 3	4 to 6 years 4	7 to 10 years 5	Over 10 years 6

Years With Previous Employer					Score:
Under 1 year 1	1 to 3 years 1	4 to 6 years 2	7 to 10 years 4	Over 10 years 5

Percent Of Monthly Income Remaining After Expenses					Score:
Less Than 10% 1	10% to 15% 2	16% to 25% 3	26% to 33% 4	Over 33% 5

Bonus Points (add up all that apply - maximum 3 points)					Score:
Checking Account 1	Savings Account 1	IRA With Bank 1	CD With Bank 1	Loan With Bank 2

To Find Out What Your Score Means, Click HERE

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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. This is a generic test. United Midwest Savings Bank does not use this test information to make credit decision.We reserve the right of final loan approval.