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FileMaker Pro Database | 1992-04-12 | 195KB | 1,064 lines

HBAM2001MAY84 iDDDDDDD DDDDDDD Pro 1.0F! Main Dictionary User Dictionary Hard Drive Hard Drive 4/12/92 ASSETS1 ASSETS2 ASSETS3 ASSETS4 ASSETS5 ASSETS6 ASSETS6A TEXT ASSETS6B TEXT ASSETS7 ASSETS8 ASSETS8A TEXT ASSETS8B TEXT ASSETS9 ASSETS9A TEXT ASSETS9B TEXT COMMON AREA FEES XPENSE TOTAL 10.00 10.25 10.50 10.75 11.00 11.25 11.50 11.75 12.00 12.25 12.50 12.75 13.00 13.25 13.50 B#13.75 14.00 14.25 14.50 14.75 15.00 8.00.00 14.25 14.50 14.75 15.00 8.000 8.008.005.00 8.0000 MenuB Interest Rate Years Wages/Salaries Interest Income Other Income ncome Interest Income Other Income Interest Income Other Income Income5 Income5 Income55Income4 Income5B 1RcxS#xz` Machine Music Alimony Child Support About Amount Danger Financial Formula Generally Increase Institutions Monthly Mortgage Obligations Qualify Should Shows Would TERMB A Layout #1 A Layout #1B Pro 1.0F! Pro 1.0I Main Dictionary User Dictionary Hard Drive Hard Drive Income1B Income2B Income3B Income2B Income3B MAX MORTB PV (MPAY,(IR/100)/12,TERM * 12) Interest DecimalB (Interest Rate/12) / 100 Income4B Income5B Expense1B Expense2B Expense3B Expense4B Expense5B A MPAY + MF Housing ExpenseB Income Total * .28 Monthly Housing ExpenseB Monthly Income * .28 A9Income1 + Income2 + Income3 + Income4 + Income5 + Income6 AwExpense1 + Expense2 + Expense3 + Expense4 + Expense5 +Expense6+ Expense7 +Expense8 + Expense10 + Expense11 + Expense12 Down Payment n Payment E,ENTER YOUR GROSS MONTHLY INCOME AND EXPENSES GROSS MONTHLY INCOME AND EXPENSES OSS MONTHLY INCOME AND EXPENSES S MONTHLY INCOME AND EXPENSES ROSS MONTHLY INCOME AND EXPENSES ROSS MONTHLY INCOME AND EXPENSES D EXPENSES YEARLY INCOME AND EXPENSES DP %B Down Payment ConversionB Down Payment % / 100 ayment ConversionB Down Payment % / 100 EXPENSE1 EXPENSE10 EXPENSE10 TEXT O EXPENSE11 EXPENSE11 TEXT P EXPENSE12 EXPENSE12 TEXT EXPENSE2 EXPENSE3 EXPENSE4 EXPENSE5 EXPENSE5 TEXT EXPENSE6 EXPENSE6 TEXT EXPENSE7 EXPENSE7 TEXT EXPENSE8 EXPENSE8 TEXT EXPENSE9 EXPENSE9 TEXT FIRST NAME HOUSE INSURANCE INCOME1 INCOME2 INCOME3 INCOME4 INCOME4 TEXT INCOME4 TEXT A"Print Personal Financial Statement PP * (DP % / 100) Income4 TextB Income5 TextB TextB 5 TextB me5 TextB TextB Expense5 TextB Expense5 TextB A Layout #1 A Layout #1B :A Net WorthB A Total Assets - Total Liabilities Liabilities8B Liabilities9B Expense6B Expense7B Assets6a textB Assets6b textB Assets8a textB Assets8b textB Assets9B Assets9b textB Smith Anystreet Anytown 10000 Current Residence Furnishings House 14000 Collection Woodworking Monthly Qualifying AmountB IF (MEA (MHE+ET), IF (MHA MHE,IF ((MEA-MHA) ET ,PV ((MHA - MF),(IR/100)/12,TERM * 12),PV (((MEA-ET)-MF),(IR/100)/12,TERM * 12)),PV ((MHA - MHE),(IR/100)/12,TERM * 12)),MEA-(MHE+ET)) , select "Print Financial Statement" from the main menu, and you will have a copy of your information that you can present to your lender for consideration. Mortgage Payment field is not added to your expenses in order for the program to work properly. (It is assumed that this expense would be re #t to your lender for consideration. t rating and other factors. Some lending institutions are more lienient than others, and some loans (VA) have lower qualifying guidelines. age) exceed the maximum amount allowed. If they do, HSH will tell you how much you need to decrease them. If conditions pass this first test, HSH then checks ca Bold INCOME5 INCOME5 TEXT INCOME6 INCOME6 TEXT LAST NAME LIABILITIES1 LIABILITIES2 LIABILITIES2A TEXT LIABILITIES2B TEXT LIABILITIES3 LIABILITIES3A TEXT LIABILITIES3B TEXT LIABILITIES4 LIABILITIES5 LIABILITIES6 LIABILITIES7 LIABILITIES8 LIABILITIES9 <ALLOWED X ALLOWED MONTHLY HOUSING EXP MONTHLY MORT EXP MONTHLY QUALIFYING AMOUNT MONTHLY QUALIFYING TEXT MORTGAGE PAYMNT MORTGAGE PRINCIPAL IPAL Monthly Qualifying TextB IF (MEA (MHE+ET), If (MHA MHE,IF ((MEA - MHA) ET, "You should qualify for a mortgage! Based on the information provided, the guidelines generally used by financial institutions indicate that the maximB um mortgage you would qualify for (after down payment) is about . . . .","You should qualify for a mortgage! Based on the information provided, the guidelines generally used by financial institutions indicate t nthly obligations by about") Mortgage Principal Mortgage Payment Purchase Price MORTGAGE INFORMATION MORTGAGE INFORMATION Monthly Taxes Monthly Common Fees Monthly House Insurance Financial Information Mortgage for: GXPENSE placed by your new mortgage. If you are keeping this house, enter it's information on the NEXT line, and leave the "Current Residence" payment field blank) Remember, these guidelines can be somewhat flexible, E depending on your lending history, down payment, credit rating and other factors. Some lending institutions are more lienient than others, and some loans (VA) have lower qualifying guidelines When you are done #t to your lender for consideration. d Anystreet street John & Mary ., Anywhere, ST mortgage! Based on the information provided, the guidelines generally used by financial institutions indicate that the maximum mortgage you would qualify for (after down payment) is about . . . ._ 88089.4423156785235a 672.628846799432772 Mr. & Mrs. Smith s. Smith MPRINB PP - DP MPAYB A)PMT (MPRIN,((IR / 12) / 100),(TERM * 12)) A Layout #1B NET WORTH PROPERTY ID STATE STREET TAXES TOTAL ASSETS TOTAL LIABILITIES d Anystreete Anytownf 10000h 20000i 2000j 50000l 2000m 65000n 7800o 20000q 3000s 6000u 1000000s 6000u 1000000q 7800o 20000q 10000 10000000 #A Last NameB StreetB CityB StateB Assets1B Assets2B sets8B Assets9B Liabilities1B Liabilities2B Liabilities3B Liabilities4B Liabilities5B Liabilities6B Liabilities7B Total AssetsB AGAssets1+Assets2+Assets3+Assets4+Assets5+Assets6+Assets7+Assets8+Assets9 Woodworking About After Based Financial Generally Guidelines Indicate Information Institutions Maximum Mortgage Payment Provided Qualify Should Would Financial Information ors. Enter the information accurately and honestly. Helvetica New York Times Geneva Zapf Dingbats B Helvetica Bold H E L P H E L P FINANCIAL STATEMENT To find out the amount of mortgage you would qualify for, you must enter all the personal financial information. The formulas used by lenders compare your income and expenses. Home Sweet H Eour ability to pay a mortgage. Home Sweet Home uses these ratios to Mortgage Information ca Bold st test, HSH then checks to see if the selected mortgage exceeds the maximum allowed. If it does, HSH will let you know how much to decrease the principal to quality. If you don't qualify, try reducing the mortE age principal, financing at a lower interest rate, increasing your downpayment or lengthing the term. Remember, these guidelines can be somewhat flexible, depending on your lending history, down payment, credi Geneva Zapf Dingbats B Helvetica Bold Helvetica New York Times Geneva Zapf Dingbats B Helvetica Bold Chicago Pepita B New Century Schlbk Bold Anytown South Anywhere South Mortgage Payment Provided Qualify Should Would Yourovided Qualify Should Would Assets9a textB Liabilities2a textB Liabilities2b textB Liabilities3b textB Liabilities3a textB Expense12 textB Expense6 textB Expense7 textB Expense10 textB Expense11 textB Income6B Income6 textB TaxesB Common Area FeesB House InsuranceB A*Taxes + Common Area Fees + House Insurance Total LiabilitiesB AxLiabilities1+Liabilities2+Liabilities3+Liabilities4+Liabilities5+Liabilities6+Liabilities7 + Liabilities8 + Liabilities9 Liabilities9B Expense6B Expense7B Assets6a textB Assets6b textB Assets8a textB Assets8b textB Assets9B Assets9b textB FextB Assets8a textB Assets8b textB Assets9B Assets9b textB ]ffff ^33ff cff33 d3333 ffffff 33ffff ff33ff 3333ff ffff33 33ff33 ff3333 333333 EXPENSE1 INCOME5 NET WORTH E_need to reduce your mortgage payment, interest rate or other monthly obligations by about..." ) You should qualify for a mortgage! Based on the information provided, the guidelines generally used by financial institutions indicate that the maximum mortgage you would qualify Mortgage Information Financial Information Help Financial Information Mortgage Information Help A Financial Statement Print Layout Mortgage InformationB 85500a 627.368710666866575b 95000 Financial Information HelpB M E N U M E N U Mortgage Information E"Print Personal Financial Statement Financial Information Welcome to Home Sweet Home! age Information Anytown South 9ffff :33ff ?ff33 @3333 @66866575b 95000 te that the maximum mortgage you would qualify for (after down payment) is about . . . ._ 89436.0430254133846` 85500a 627.368710666866575b 9500000 he maximum mortgage you would qualify for (after down payment) is about . . . ._ 89436.0430254133846` 85500a 627.368710666866575b 95000 7.368710666866575b 95000 Financial InformationB Financial Information HelpB Mortgage Information HelpB 95000 887.628846799432772D 8.75G 3100L 3300T 9500Y Woodworking^ You should qualify for a mortgage! Based on the information provided, the guidelines generally used by financial institutions indicate that the maximum mortgage you would qualify for (after down payment) is about . . . ._ 88089.4423156785235` 85500a 672.628846799432772b 95000c Smith Mrs. Smithh1903330000026550000nytownf 10000h 20000i 2000j 5000l 1000m 65000n 7800o 20000q Liabilities6B Liabilities7B Total AssetsB AIAssets1+Assets2+Assets3+Assets4+Assets5+Assets6+Assets7+Assets8 + Assets9 First Name(s) Street City/State/Zip te/Zip Assets1 Assets2 Assets3 Assets4 Assets5 Assets6 Assets7 Assets8 Assets9 Liabilities1 Liabilities2 Liabilities3 Liabilities3 Liabilities3 FINANCIAL INFORMATION FINANCIAL INFORMATION E"Cash on Hand and in Banks......... E-Savings Accounts..................................................... Life Insurance-Cash Value Other Stocks and Bonds A-Real Estate (describe) ______________________ E&Other Personal Property............... E&Other Assets (describe)............... ATNotes Payable to Banks............... Description Monthly Payment yment E6Accounts Payable...................................... ASNotes Payable to Others............. Description Monthly Payment *...... Description Monthly Payment AROther Installment Accounts....... Description Monthly Payment House Furnishings 15500 401k ($14,000) Coin Collection ($1500) Woodworking Eq 242 South Main St., Anytown, ST John & Mary A Financial Statement Print LayoutB H E L P H E L P MORTGAGE INFORMATION To find out the amount of mortgage you would qualify for, you must enter all the personal financial information first. The formulas used by lenders compare your income and expenses. Home S H E L P H E L P E'Loans on Life Insurance................ ATMortgages on Real Estate............ Description Monthly Payment E2Unpaid Taxes...................................... AbOther Liabilities................................ Description Monthly Payment Assets3B Assets4B Assets5B Assets6B Assets7B Assets8B Liabilities1B Liabilities2B Liabilities3B Liabilities4B Liabilities5B Liabilities5B Liabilities6B Liabilities7B Total AssetsB AGAssets1+Assets2+Assets3+Assets4+Assets5+Assets6+Assets7+Assets8+Assets9 ASSETS: LIABILITIES: E+Accounts Payable........................... E0Salary/Wages.................................... MONTHLY INCOME: E$Net Investment Income............... E*Real Estate Income........................ E*Real Estate Income........................ te Income........................ Accounts & Notes Receivable.... E%Life Insurance-Cash Value............ E$Other Stocks and Bonds.............. E(Real Estate (describe).................. E!Automobiles -Present Value......................................................................... E.Automobiles -Present Value..................... Current Residence 36750x 182300y 46750z 135550{ 10000 Mortgage Information Current Residence E+NET WORTH.................................. A&MONTHLY EXPENSES (other than mortgage) E'MONTHLY INCOME......................... E(TOTAL LIABILITIES....................... E+TOTAL ASSETS............................... Other Income:(describe)............. (IT * .36) Expense9 textB Expense8B Expense8 textB Expense9B ]A Expense10B ^A Expense11B _A Expense12B Expense5 textB Property IDB First NameB First NameB (IT * .28) (IT * .28) hat the maximum mortgage you would qualify for (after down payment) is about . . . ."),"WARNING!!! Based on the information provided, the guidelines generally used by financial institutions indicate that you mD ay not qualify for this mortgage. You need to reduce your mortgage principal by about...") ,"WARNING!!! Based on the information provided, your monthly expenses are over acceptable limits. To qualify, you weet Home uses these ratios with the financial information you provide to determine your ability to pay. To find out about a specific property, enter the exact purchase price, interest rate, down payment and tC erm. HSH will first check to see if your monthly expenses (including mortgage) exceed the maximum amount allowed. If they do, HSH will tell you how much you need to decrease them. If conditions pass this fir MONTHLY QUALIFYING AMOUNT MONTHLY QUALIFYING TEXT MPRIN PRIN MPRIN MPRIN MPRIN MPRIN PRINCIPAL PRINCIPAL AGE PRINCIPAL IPAL for (after down payment) is about . . . .' You should qualify for a mortgage! Based on the information provided, the guidelines generally used by financial institutions indicate that the maximum mortgage you woC uld qualify for (after down payment) is about . . . . WARNING!!! Based on the information provided, the guidelines generally used by financial institutions indicate that you may not qualify for this mortgage $her monthly obligations by about... AcInstallment Accounts-Auto (describe below).. Description Monthly Payment Street: City/State/Zip: E1Cash on Hand and in Banks........................ E7Savings Accounts....................................... E/Accounts & Notes Receivable....................ivable.................... ...... ings Accounts............................. E0Life Insurance-Cash Value....................... E3Other Stocks and Bonds............................. A5Real Estate (describe below)......................... rty............... E&Other Assets (describe)............... E1Total Assets..................................... AlNotes Payable to Others.............................. Description Monthly Payment AcOther Installment Accounts (descibe below).. Description Monthly Payment E5Loans on Life Insurance.............................. AkMortgages on Real Estate............................ Description Monthly Payment E;Unpaid Taxes............................................... AqOther Liabilities......................................... Description Monthly Payment E+NET WORTH.................................. ASSETS LIABILITIES E8Accounts Payable........................................ E7Salary/Wages........................................... MONTHLY INCOME E2Net Investment Income.............................LY INCOME E2Net Investment Income................................ E6Real Estate Income.................................... Other Income (describe below) A%PERSONAL FINANCIAL STATEMENT as of // FindB E/Automobiles -Present Value..................... A*Other Personal Prop. (describe below)..... A3Other Assets (describe below)..................... Total Assets............................................... AjNotes Payable to Banks............................. Description Monthly Payment Current Residence A&MONTHLY EXPENSES (other than mortgage) E'MONTHLY INCOME......................... E(TOTAL LIABILITIES....................... AcOther Installment Accounts (descibe below).. Description Monthly Payment E5Loans on Life Insurance.............................. APInstallment Accounts (auto)...... Description Monthly Payment AROther Installment Accounts....... Description Monthly Payment ome uses these ratios with the financial information you provide to determine your ability to pay. IMPORTANT!!! Income and payments must be entered on a monthly basis. Everything else is per year. "CurreC nt Residence" is already entered under Mortgages on Real Estate. This Mortgage Payment field is not added to your expenses in order for the program to work properly. (It is assumed that this expense would be re E+TOTAL ASSETS............................... Name(s): Property ID Property ID Property ID E Last Name E main menu E&Enter the information and press returnmation and press returnhe information and press return . You need to reduce your mortgage principal by about... WARNING!!! Based on the information provided, your monthly expenses are over acceptable limits. To qualify, you ll need to reduce your mortgage paymeE;nt, interest rate or other monthly obligations by about... You should qualify for a mortgage! Based on the information provided, the guidelines generally used by financial institutions indicate that the maximum mortgage you would qualify for (after POzOPO P8zPzPzO PzPzP zOPOzOP OzPzO zOzPz POPOP zOPOz zOP zOPOzO zOzPzOzPz OAzPzO OzPzOzPzOz POPOPOP POPOP OPOPO O P$O OPO P OP z zP (zOP z OPOzO POzOn Oz OzOPO zOzPzOzPz zPzOzPz #OzOPOPOP POP & POPO z zPz OzOP zPzOz zO OPOPOPOPOPOPOP yTNTNy PzP Pz OPOz UNyy* PzOzP PzOz PzOz zO yUzOP OPOPOz yNyyN NUyUyUNUy* OzOPOz zOPOz *NNyU NNUyyNUyN OPOPO NyNyy NyyNNz PzPzP PzOzPzO zPzOzP zOPOP POPOzO OPOPO 'OPOz zO/zPzOzPz OzPzO POPOPOzOP zOPOP OPOPOPO zPzPz zPzPzPzOz OPOzO OzOPOz PzOzPz PzOzPz OzPzO POPOP PzPzPz zPzPzP OPOzOP POzOPO N*\*N*Ny *NUy*y *N*N[NyN*N*yN yTNTU y*yUN*N* Uy*N*N*N*N yyUyy yUy*NUyUNUy*N*N* yNNyy y*NUy NyTyNyTyNyTyNy TyUyT Ty*yTNy *NTy* UyTyUNyyUyNyUyNyUyy TyUyN TNN*N* N*NUTNyUTU NyUyN NyUTN NT*yN N$Ny*N*$*yN$*TNy*$yTyy*NN N6TyyNTyTNyNyy$NyyTyT*yyTyT* yNNTNyyNyTyNyy*yy *Ny$N yNyNTNy*N* NN*N*N yUN*y N*NUy*yU$ yUN*y*NNTUN*N NNy*N N*yNyNy*y*yNN* N*N*N*N*NUy NU**$ *NNU* TNyU$ NyNN*NN** yyTyN UyTyN *Nyy*NNy yNy**NyNyTyNyNN y*NUNU N*$*N*Ny *N*yN$NTyNN NUTUN *NUN*TUy UyNyNyU NNy*yNyNy yTy$yNy yNN*NyUNTNyyNN*y UyNNyNN yUNNyTyTyy yNNyNT TNU*$NTN *N*yy N*T*y*y*y y*NyTy 2y*N$NU*$Nyy N*N$yy*NN*y yTyUyyN *TyUNTNUNyy NN*TNy* yNT*TU 2NN*N*y *$*TNyNT $*TUT*yU *$*NNyN $*NNy*$*T N*TNN* yU$U$NTNT y*yyTyNyT N*U$*yNyN *N*TNy *yNyN $*yyN y*yUN*yN $UNUTUNUTV N**yN N*yN**yNy y*yNy*y N*NT**yTyNy2 *NN** $y*yNy* $y*NyNU *yy*UNy*N *N*y**yTy NUyUyy yyUyy N*y*$*y*T T*y*T*yN Vy$yUNyyNy *y*NN $y*N$*y*$N*Ny *NNTy$Ny* NyNyNyNyU *yNyN2 *UN*y*yNN*NNy*yUy*yN2 $UNNy*NNT yUNUT*y NyTyNyTyN2 *NN$y $NTU$U 2N$U$ NNyTyTyNy yNy$NT T*y*Tyy*y2+ *T*y*$NNy *TNyNy*y N*Ny*NyNy yTyU*$ *T*yNN*NU yNTU$N *TNNy NyNTN*UyNy NU$*NNT* NyNy* NP*yNyNyTNy Ny$yU*$* y*y*N*N* *TNy*y*$NyyTyNyy*NN yzTNy*N y*y*yNy*yNN* $yyN**yUTU yyTNyU U$NyUyNyN NTNyUyNyU y!NyNyUTy OzOPO+OP ++yNyTNU yNUyy NyTyU $yyNT**y +Ny*yUTyTU *TyTNyNyyNNy $*$UN PzPzP NN$U**$ $**y$** N;*Ty**$NNyNN*NT T**NTy N**y$ yyUyU yyUyU UyUyU y#Uyy yNTNNU yyTyy *$*Nyy*Ny$*y*N*Nyy*N *T*$NyN$N$N NyNN* yTy*NNyy y*NN$ T*yU$UyN NNUyA *yUN* yUN*yUyU TyN*T NUTyT $y$*N NU$N$N$y yyN*Tyy*NNy $yT*T*T *yyNyy AUyUyU $zO*P +"Uy$ NNyU*N*N* *yNyyNy yNN*yy N*y*T* N$*NyT*N* NNyU$UNUNU*UN $*TUN*N*Ty$N *yU*UTAN N*TU**$ }POzO}} NUyyT $y*A*N *NyN*N$ NTy*yyN*y$*UN$* TNUyNNU $yUy$y* y*N*NNyy y$N*yy TNyN$NU zPOPO yyUyUyU ++yyT*T NNT*$yT*NyT T*y*$y N$*yN yNyNyT T*y*$ N*N*N POzOPO zyOzO N*yy$NyU$UN*N**UT Tyy*T *yNUN*yy*NyU*UN* **$NNyN yU*UN*NUy AUNUy $UN*NUy U$N*N$yy $y*yN y$NyN $NNyy *"TNNy Nyy*yyT*N*T *N*NNyy$yTyy*T*T UyUyy yyUyy UNy*UNN*NA*T **yN*Nyy N$*UN y*yNyN T*U*$ NN**y$ POPO}} yy$N$A*TyT*TUN*T yy$*$NNUy yNTy$N$NNyN*T*y*T $yNUN*yy$NyU$UN*N*$UT $*$*$* y*N*y +UyN*N yN$*yN $UN*NUy yUN$yUy$N*y *Nyy*U $N*yy *N*N*N* *NN$NyyU NyN*yyN$y ++yy*yN*Nyy$N$y N*$yN yNy*yT yU$** y*NUyU UNUN*NUy +UTUNyN **TUy $yNUN*yy$ yNN**NN*NNyOz NNUNNyUy$ UN*N*N*N*N*NU y*N*Ny +UNU$UN*$Uy $UN*N y*N*N* Uy*NUy UyUNUNy UyUyUyy yyNyyz Uy*y*N +UyNN* yTNTyTyTyTyP $*$NN +yyN$NN zNN*N*$** NUN*yU *NN*NNyUy UyyN* N*N*TNNUyU UyUyUN*NUN *NyyUy* Uy*N*yUN*$ PzTyy yyN*NN* TNTyN yNN*NNTNN*N $UyUy*N*Ny NyNN*N zTNTy yyNTNN*TN yUN*ayUyy UyUyU zy*N*Nz *NUNU yyUyU Last Name E Last Name E Last Name E Last Name