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+--------+-------------------------+-------------------------+--------+--------+
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|00000160| fd f0 46 6f 72 20 6d 6f | 73 74 20 6d 69 64 64 6c |..For mo|st middl|
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|000003c0| a0 45 58 49 54 20 3c 45 | 73 63 3e 20 00 00 01 00 |.EXIT <E|sc> ....|
|000003d0| 00 00 00 00 17 00 4f 00 | de 85 39 8c 5f 03 b0 ff |......O.|..9._...|
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|00000440| 20 59 4f 55 52 20 48 4f | 4d 45 20 fd f0 ff 0e 5c | YOUR HO|ME ....\|
|00000450| 5f 5f 5c 5f 5f 5c 5f 5f | 5c fd b0 ff 12 fd f0 2f |__\__\__|\....../|
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|000004a0| ff 06 fd f0 b3 ff 05 46 | 6f 72 20 6d 6f 73 74 20 |.......F|or most |
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|000004f0| 67 65 73 74 20 69 6e 76 | 65 73 74 6d 65 6e 74 20 |gest inv|estment |
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|00000530| ff 05 68 69 73 74 6f 72 | 69 63 61 6c 6c 79 20 6f |..histor|ically o|
|00000540| 6e 65 20 6f 66 20 74 68 | 65 20 62 65 73 74 2e ff |ne of th|e best..|
|00000550| 26 b3 fd b0 ff 06 fd f0 | b3 ff 48 b3 fd b0 ff 06 |&.......|..H.....|
|00000560| fd f0 b3 ff 05 42 65 67 | 69 6e 20 79 6f 75 72 20 |.....Beg|in your |
|00000570| 68 6f 75 73 65 20 68 75 | 6e 74 20 62 79 20 64 65 |house hu|nt by de|
|00000580| 74 65 72 6d 69 6e 69 6e | 67 20 68 6f 77 20 6d 75 |terminin|g how mu|
|00000590| 63 68 20 79 6f 75 20 63 | 61 6e 20 61 66 66 6f 72 |ch you c|an affor|
|000005a0| 64 2e ff 06 b3 fd b0 ff | 06 fd f0 b3 ff 05 59 6f |d.......|......Yo|
|000005b0| 75 72 20 63 72 69 74 65 | 72 69 61 20 73 68 6f 75 |ur crite|ria shou|
|000005c0| 6c 64 20 66 6f 6c 6c 6f | 77 20 74 68 65 20 73 61 |ld follo|w the sa|
|000005d0| 6d 65 20 6c 69 6e 65 20 | 6f 66 20 72 65 61 73 6f |me line |of reaso|
|000005e0| 6e 69 6e 67 20 61 73 20 | 79 6f 75 72 ff 05 b3 fd |ning as |your....|
|000005f0| b0 ff 06 fd f0 b3 ff 05 | 62 61 6e 6b 65 72 27 73 |........|banker's|
|00000600| 2e 20 20 54 68 65 72 65 | 20 61 72 65 20 62 61 73 |.  There| are bas|
|00000610| 69 63 61 6c 6c 79 20 46 | 4f 55 52 20 69 6d 70 6f |ically F|OUR impo|
|00000620| 72 74 61 6e 74 20 72 75 | 6c 65 73 20 6f 66 20 74 |rtant ru|les of t|
|00000630| 68 75 6d 62 3a ff 06 b3 | fd b0 ff 06 fd f0 b3 ff |humb:...|........|
|00000640| 48 b3 fd b0 ff 06 fd f0 | b3 ff 48 b3 fd b0 ff 06 |H.......|..H.....|
|00000650| fd f0 b3 ff 05 fd 0e 20 | 4d 6f 6e 65 79 20 fd e4 |....... |Money ..|
|00000660| 46 fd 0e 61 63 74 20 fd | f0 ff 37 b3 fd b0 ff 06 |F..act .|..7.....|
|00000670| fd f0 b3 ff 46 fd f2 20 | fe b2 03 fd b0 ff 04 fd |....F.. |........|
|00000680| f2 fe b2 03 20 fd f0 ff | 44 fd f2 fe b2 05 fd b0 |.... ...|D.......|
|00000690| 20 20 fd f2 fe b2 05 fd | f0 ff 44 fd f2 fe b2 05 |  ......|..D.....|
|000006a0| fd b0 20 20 fd f2 fe b2 | 05 fd f0 ff 44 fd f2 fe |..  ....|....D...|
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|000006c0| fd f9 28 0f 29 fd f0 c4 | fd fc 28 0f 29 fd f0 c4 |..(.)...|..(.)...|
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|000006f0| fd f9 28 0f 29 fd a2 c2 | fe c4 0c 20 fd a0 43 4f |..(.)...|... ..CO|
|00000700| 4e 54 49 4e 55 45 11 c4 | d9 fd a2 20 b3 ff 1a fd |NTINUE..|... ....|
|00000710| f2 5c ba 2f 20 5c ba 2f | 20 5c ba 2f 20 5c ba 2f |.\./ \./| \./ \./|
|00000720| 20 5c ba 2f 20 5c ba 2f | 20 5c ba 2f fd a2 b3 20 | \./ \./| \./... |
|00000730| fd a0 45 58 49 54 20 3c | 45 73 63 3e 20 00 00 01 |..EXIT <|Esc> ...|
|00000740| 00 02 00 02 00 02 00 0c | 00 5e 50 70 83 0c 00 0f |........|.^Pp....|
|00000750| 20 59 4f 55 52 20 48 4f | 4d 45 20 00 00 01 00 00 | YOUR HO|ME .....|
|00000760| 00 00 00 11 00 40 00 32 | 09 52 9c e5 01 f0 ff 0f |.....@.2|.R......|
|00000770| 54 48 45 20 46 4f 55 52 | 20 52 55 4c 45 53 20 4f |THE FOUR| RULES O|
|00000780| 46 20 48 4f 4d 45 20 41 | 46 46 4f 52 44 41 42 49 |F HOME A|FFORDABI|
|00000790| 4c 49 54 59 ff 99 31 2e | fd f2 20 54 4f 54 41 4c |LITY..1.|.. TOTAL|
|000007a0| 20 48 4f 4d 45 20 43 4f | 53 54 20 fd f0 2d 20 73 | HOME CO|ST ..- s|
|000007b0| 68 6f 75 6c 64 20 6e 6f | 74 20 65 78 63 65 65 64 |hould no|t exceed|
|000007c0| 20 72 6f 75 67 68 6c 79 | ff 16 32 2e 35 20 74 69 | roughly|..2.5 ti|
|000007d0| 6d 65 73 20 79 6f 75 72 | 20 66 61 6d 69 6c 79 27 |mes your| family'|
|000007e0| 73 20 67 72 6f 73 73 20 | 61 6e 6e 75 61 6c 20 69 |s gross |annual i|
|000007f0| 6e 63 6f 6d 65 2e ff 53 | 32 2e fd f2 20 4d 4f 4e |ncome..S|2... MON|
|00000800| 54 48 4c 59 20 4d 4f 52 | 54 47 41 47 45 20 50 41 |THLY MOR|TGAGE PA|
|00000810| 59 4d 45 4e 54 53 fd f0 | 20 2d 20 70 6c 75 73 20 |YMENTS..| - plus |
|00000820| 70 72 6f 70 65 72 74 79 | 20 74 61 78 65 73 ff 12 |property| taxes..|
|00000830| 61 6e 64 20 68 6f 6d 65 | 6f 77 6e 65 72 27 73 20 |and home|owner's |
|00000840| 69 6e 73 75 72 61 6e 63 | 65 20 73 68 6f 75 6c 64 |insuranc|e should|
|00000850| 20 6e 6f 74 20 65 78 63 | 65 65 64 20 32 38 25 ff | not exc|eed 28%.|
|00000860| 12 6f 66 20 79 6f 75 72 | 20 66 61 6d 69 6c 79 27 |.of your| family'|
|00000870| 73 20 67 72 6f 73 73 20 | 6d 6f 6e 74 68 6c 79 20 |s gross |monthly |
|00000880| 69 6e 63 6f 6d 65 2e ff | 59 33 2e fd f2 20 4d 4f |income..|Y3... MO|
|00000890| 4e 54 48 4c 59 20 44 45 | 42 54 20 50 41 59 4d 45 |NTHLY DE|BT PAYME|
|000008a0| 4e 54 53 fd f0 20 2d 20 | 69 6e 63 6c 75 64 69 6e |NTS.. - |includin|
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|000008c0| 61 67 65 20 70 61 79 6d | 65 6e 74 73 2c 20 73 68 |age paym|ents, sh|
|000008d0| 6f 75 6c 64 20 6e 6f 74 | 20 65 78 63 65 65 64 20 |ould not| exceed |
|000008e0| 33 33 25 20 6f 66 20 79 | 6f 75 72 ff 11 67 72 6f |33% of y|our..gro|
|000008f0| 73 73 20 6d 6f 6e 74 68 | 6c 79 20 69 6e 63 6f 6d |ss month|ly incom|
|00000900| 65 2e ff 6a 34 2e fd f2 | 20 43 41 53 48 20 4e 45 |e..j4...| CASH NE|
|00000910| 45 44 45 44 20 fd f0 2d | 20 6d 75 73 74 20 65 71 |EDED ..-| must eq|
|00000920| 75 61 6c 20 74 68 65 20 | 64 6f 77 6e 20 70 61 79 |ual the |down pay|
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|00000940| 65 74 74 6c 65 6d 65 6e | 74 20 63 6f 73 74 73 2e |ettlemen|t costs.|
|00000950| ff a2 00 00 01 00 00 00 | 00 00 04 00 36 00 ca 1b |........|....6...|
|00000960| 52 9c 8f 00 f0 ff 38 32 | 2e fd f2 20 4d 4f 4e 54 |R.....82|... MONT|
|00000970| 48 4c 59 20 4d 4f 52 54 | 47 41 47 45 20 50 41 59 |HLY MORT|GAGE PAY|
|00000980| 4d 45 4e 54 53 fd f0 20 | 2d 20 70 72 6f 70 65 72 |MENTS.. |- proper|
|00000990| 74 79 20 74 61 78 65 73 | 20 61 6e 64 ff 09 68 6f |ty taxes| and..ho|
|000009a0| 6d 65 6f 77 6e 65 72 27 | 73 20 69 6e 73 75 72 61 |meowner'|s insura|
|000009b0| 6e 63 65 20 73 68 6f 75 | 6c 64 20 6e 6f 74 20 65 |nce shou|ld not e|
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|000009f0| 2e ff 47 00 00 01 00 00 | 00 00 00 03 00 36 00 da |..G.....|.....6..|
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|00000a30| 74 20 65 78 63 65 65 64 | 20 33 33 25 ff 0a 6f 66 |t exceed| 33%..of|
|00000a40| 20 79 6f 75 72 20 67 72 | 6f 73 73 20 6d 6f 6e 74 | your gr|oss mont|
|00000a50| 68 6c 79 20 69 6e 63 6f | 6d 65 2e ff 4d 00 00 01 |hly inco|me..M...|
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|00000a70| ff 05 fd e0 da fe c4 13 | fd 0e 20 4d 4f 4e 45 59 |........|.. MONEY|
|00000a80| 20 46 41 43 54 20 fd e0 | fe c4 13 bf fd f0 ff 0a | FACT ..|........|
|00000a90| b3 fd b0 ff 03 fd f0 ff | 05 fd e0 b3 ff 32 b3 fd |........|.....2..|
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|00000ac0| e0 b3 20 41 62 6f 75 74 | 20 74 77 6f 2d 74 68 69 |.. About| two-thi|
|00000ad0| 72 64 73 20 6f 66 20 61 | 6c 6c 20 41 6d 65 72 69 |rds of a|ll Ameri|
|00000ae0| 63 61 6e 20 68 6f 75 73 | 65 68 6f 6c 64 73 20 6f |can hous|eholds o|
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|00000b00| ff 05 fd e0 b3 20 74 68 | 65 69 72 20 6f 77 6e 20 |..... th|eir own |
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|00000b90| b0 ff 03 fd f0 ff 05 fd | e0 b3 ff 32 b3 fd f0 ff |........|...2....|
|00000ba0| 0a b3 fd b0 ff 03 fd f0 | ff 05 fd e0 c0 fe c4 32 |........|.......2|
|00000bb0| d9 fd f0 ff 08 fd f2 20 | fe b2 03 fd b0 20 20 fd |....... |.....  .|
|00000bc0| f0 ff 41 fd f2 fe b2 05 | fd b0 20 fd f0 ff 41 fd |..A.....|.. ...A.|
|00000bd0| f2 fe b2 05 fd b0 20 fd | f0 ff 41 fd f2 fe b2 05 |...... .|..A.....|
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|00000bf0| 28 0f 29 fd f0 c4 fd fc | 28 0f 29 fd f0 c4 fd f9 |(.).....|(.).....|
|00000c00| 28 0f 29 fd f0 c4 fd fc | 28 0f 29 fd f0 2d fd f9 |(.).....|(.)..-..|
|00000c10| 28 0f 29 fd f0 c4 fd fc | 28 0f 29 fd f0 2d fd f9 |(.).....|(.)..-..|
|00000c20| 28 0f 29 fd a2 c2 fe c4 | 0c fd a0 11 c4 d9 fd a2 |(.).....|........|
|00000c30| 20 b3 ff 1a fd f2 5c ba | 2f 20 5c ba 2f 20 5c ba | .....\.|/ \./ \.|
|00000c40| 2f 20 5c ba 2f 20 5c ba | 2f 20 5c ba 2f 20 5c ba |/ \./ \.|/ \./ \.|
|00000c50| 2f fd a2 b3 20 fd a0 ff | 0b 00 00 01 00 07 00 01 |/... ...|........|
|00000c60| 00 18 00 4f 00 34 f1 90 | 7c e0 01 f0 ff 1e 46 49 |...O.4..||.....FI|
|00000c70| 58 45 44 20 52 41 54 45 | 20 4d 4f 52 54 47 41 47 |XED RATE| MORTGAG|
|00000c80| 45 ff 1d fd 0f 20 fd f0 | ff 4e fd 0f 20 fd f0 20 |E.... ..|.N.. .. |
|00000c90| 20 4d 61 6e 79 20 63 6f | 6e 73 65 72 76 61 74 69 | Many co|nservati|
|00000ca0| 76 65 20 68 6f 6d 65 2d | 62 75 79 65 72 73 20 6f |ve home-|buyers o|
|00000cb0| 70 74 20 66 6f 72 20 6c | 6f 6e 67 20 74 65 72 6d |pt for l|ong term|
|00000cc0| 20 61 6e 64 20 6c 6f 77 | 20 70 61 79 6d 65 6e 74 | and low| payment|
|00000cd0| 73 2c 20 62 75 74 20 6d | 61 6b 65 20 20 fd 2f 20 |s, but m|ake  ./ |
|00000ce0| fd f0 20 20 73 75 72 65 | 20 74 68 61 74 20 74 68 |..  sure| that th|
|00000cf0| 65 69 72 20 6d 6f 72 74 | 67 61 67 65 20 61 6c 6c |eir mort|gage all|
|00000d00| 6f 77 73 20 70 72 69 6e | 63 69 70 61 6c 20 70 72 |ows prin|cipal pr|
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|00000d20| 74 20 70 65 6e 61 6c 74 | 79 2e ff 06 fd 2f 20 fd |t penalt|y..../ .|
|00000d30| f0 20 20 57 68 65 6e 20 | 74 68 65 69 72 20 69 6e |.  When |their in|
|00000d40| 63 6f 6d 65 20 61 6c 6c | 6f 77 73 2c 20 74 68 65 |come all|ows, the|
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|00000e10| ff 4e fd 0f 20 fd f0 ff | 4e fd 2f cd fd f0 ff 4e |.N.. ...|N./....N|
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|00000e60| 54 48 45 20 4d 4f 52 54 | 47 41 47 45 ff 1c fd f0 |THE MORT|GAGE....|
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|00001030| 2f ff 44 fd f0 b3 20 b3 | fd b0 ff 03 fd 2f 20 20 |/.D... .|...../  |
|00001040| 48 65 72 65 20 61 72 65 | 20 73 6f 6d 65 20 74 79 |Here are| some ty|
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|000010b0| 03 fd b0 20 20 fd 2f ff | 35 fd 0a 20 4d 6f 6e 65 |...  ./.|5.. Mone|
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|000010d0| b3 fd f2 fe b2 04 fd b0 | 20 fd 2f ff 44 fd f0 b3 |........| ./.D...|
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|00001110| f0 c4 fd f9 28 0f 29 fd | f0 c4 fd fc 28 0f 29 fd |....(.).|....(.).|
|00001120| f0 2d fd f9 28 0f 29 fd | f0 c4 fd fc 28 0f 29 fd |.-..(.).|....(.).|
|00001130| f0 2d fd f9 28 0f 29 fd | a2 c2 fe c4 06 c1 fe c4 |.-..(.).|........|
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|00001160| 20 5c ba 2f 20 5c ba 2f | 20 5c ba 2f fd a2 b3 fd | \./ \./| \./....|
|00001170| a0 20 50 61 67 65 20 32 | 20 6f 66 20 33 00 00 01 |. Page 2| of 3...|
|00001180| 00 00 00 00 00 17 00 4f | 00 0c 00 52 9c 66 04 b0 |.......O|...R.f..|
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|000011a0| ff 19 fd f0 2f 5c 5f 5f | 5c 5f 5f 5c 5f 5f 5c 5f |..../\__|\__\__\_|
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|000011c0| 5c 20 20 5c 20 5f 5c 5f | 5f 5c 5f 5f 5c 5f 5f 5c |\  \ _\_|_\__\__\|
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|000011e0| fd f0 2f ff 04 5c 5f 5f | 5c 5f 5f 5c 5f ff 0c fd |../..\__|\__\_...|
|000011f0| 0f 20 59 4f 55 52 20 48 | 4f 4d 45 20 fd f0 ff 0e |. YOUR H|OME ....|
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|00001210| 2f ff 08 5c 5f 5f 5c 5f | ff 2b 5c 20 5f 5c 5f 5f |/..\__\_|.+\ _\__|
|00001220| 5c fd b0 ff 0e fd f0 2f | ff 10 54 48 45 20 46 4f |\....../|..THE FO|
|00001230| 55 52 20 52 55 4c 45 53 | 20 4f 46 20 48 4f 4d 45 |UR RULES| OF HOME|
|00001240| 20 41 46 46 4f 52 44 41 | 42 49 4c 49 54 59 ff 0e | AFFORDA|BILITY..|
|00001250| 5c fd b0 ff 0a fd f0 2f | da fe c4 15 42 55 59 49 |\....../|....BUYI|
|00001260| 4e 47 20 54 48 45 20 41 | 46 46 4f 52 44 41 42 4c |NG THE A|FFORDABL|
|00001270| 45 20 48 4f 55 53 45 fe | c4 14 bf 5c fd b0 ff 06 |E HOUSE.|...\....|
|00001280| fd f0 2f b3 20 b3 ff 44 | b3 20 b3 5c fd b0 ff 05 |../. ..D|. .\....|
|00001290| fd f0 b3 20 b3 20 20 4f | 6e 63 65 20 79 6f 75 20 |... .  O|nce you |
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|000012b0| 61 6e 20 fd 4e 41 fd f0 | 46 46 4f 52 44 41 42 4c |an .NA..|FFORDABL|
|000012c0| 45 20 48 4f 55 53 45 2c | 20 79 6f 75 20 77 69 6c |E HOUSE,| you wil|
|000012d0| 6c 20 6e 65 65 64 20 74 | 6f ff 04 b3 20 b3 fd b0 |l need t|o... ...|
|000012e0| ff 06 fd f0 b3 20 b3 20 | 20 63 6f 6d 65 20 75 70 |..... . | come up|
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|00001300| ff 06 fd f0 b3 20 b3 ff | 1a fd f2 20 20 fd 4e 44 |..... ..|...  .ND|
|00001310| fd f2 4f 57 4e 20 50 41 | 59 4d 45 4e 54 fd f0 ff |..OWN PA|YMENT...|
|00001320| 1c b3 20 b3 fd b0 ff 06 | fd f0 b3 20 b3 ff 44 b3 |.. .....|... ..D.|
|00001330| 20 b3 fd b0 ff 06 fd f0 | b3 20 b3 20 20 61 6e 20 | .......|. .  an |
|00001340| 61 6d 6f 75 6e 74 20 67 | 65 6e 65 72 61 6c 6c 79 |amount g|enerally|
|00001350| 20 72 61 6e 67 69 6e 67 | 20 66 72 6f 6d 20 35 25 | ranging| from 5%|
|00001360| 20 74 6f 20 32 35 25 20 | 6f 66 20 79 6f 75 72 20 | to 25% |of your |
|00001370| 66 75 74 75 72 65 20 68 | 6f 6d 65 27 73 20 20 b3 |future h|ome's  .|
|00001380| 20 b3 fd b0 ff 06 fd f0 | b3 20 b3 20 20 70 75 72 | .......|. .  pur|
|00001390| 63 68 61 73 65 20 70 72 | 69 63 65 2e 20 20 54 68 |chase pr|ice.  Th|
|000013a0| 65 20 62 61 6c 61 6e 63 | 65 20 79 6f 75 20 77 69 |e balanc|e you wi|
|000013b0| 6c 6c 20 6e 65 65 64 20 | 74 6f 20 66 69 6e 61 6e |ll need |to finan|
|000013c0| 63 65 2c 20 63 61 6c 6c | 65 64 20 74 68 65 20 b3 |ce, call|ed the .|
|000013d0| 20 b3 fd b0 ff 06 fd f0 | b3 20 b3 ff 1a fd f2 20 | .......|. ..... |
|000013e0| 20 fd 4e 4d fd f2 4f 52 | 54 47 41 47 45 fd f0 ff | .NM..OR|TGAGE...|
|000013f0| 20 b3 20 b3 fd b0 ff 06 | fd f0 b3 20 b3 ff 44 b3 | . .....|... ..D.|
|00001400| 20 b3 fd b0 ff 06 fd f0 | b3 20 b3 20 20 77 68 69 | .......|. .  whi|
|00001410| 63 68 20 79 6f 75 20 77 | 69 6c 6c 20 6f 62 74 61 |ch you w|ill obta|
|00001420| 69 6e 20 66 72 6f 6d 20 | 79 6f 75 72 20 62 61 6e |in from |your ban|
|00001430| 6b 2e 20 20 42 75 74 20 | 64 6f 6e 27 74 20 64 65 |k.  But |don't de|
|00001440| 70 6c 65 74 65 20 61 6c | 6c 20 79 6f 75 72 20 b3 |plete al|l your .|
|00001450| 20 b3 fd b0 ff 06 fd f0 | b3 20 b3 20 20 73 61 76 | .......|. .  sav|
|00001460| 69 6e 67 73 20 6f 6e 20 | 74 68 65 20 64 6f 77 6e |ings on |the down|
|00001470| 20 70 61 79 6d 65 6e 74 | 20 62 65 63 61 75 73 65 | payment| because|
|00001480| 20 79 6f 75 20 6d 75 73 | 74 20 61 6c 73 6f 20 70 | you mus|t also p|
|00001490| 61 79 20 74 68 65 ff 09 | b3 20 b3 fd b0 ff 06 fd |ay the..|. ......|
|000014a0| f0 b3 20 b3 ff 44 b3 20 | b3 fd b0 ff 06 fd f0 b3 |.. ..D. |........|
|000014b0| 20 b3 ff 1a fd f2 20 20 | fd 4e 53 fd f2 45 54 54 | .....  |.NS..ETT|
|000014c0| 4c 45 4d 45 4e 54 20 43 | 4f 53 54 53 20 fd f0 ff |LEMENT C|OSTS ...|
|000014d0| 17 b3 fd f2 fe b2 03 fd | b0 ff 04 fd f2 fe b2 03 |........|........|
|000014e0| fd f0 b3 ff 44 b3 fd f2 | fe b2 04 fd b0 20 20 fd |....D...|.....  .|
|000014f0| f2 fe b2 04 fd f0 b3 20 | 20 75 70 20 66 72 6f 6e |....... | up fron|
|00001500| 74 2c 20 77 68 69 63 68 | 20 61 6d 6f 75 6e 74 20 |t, which| amount |
|00001510| 74 6f 20 61 72 6f 75 6e | 64 20 33 25 20 74 6f 20 |to aroun|d 3% to |
|00001520| 38 25 20 6f 66 20 79 6f | 75 72 20 6e 65 77 20 68 |8% of yo|ur new h|
|00001530| 6f 6d 65 27 73 ff 06 b3 | fd f2 fe b2 04 fd b0 20 |ome's...|....... |
|00001540| 20 fd f2 fe b2 04 fd f0 | b3 20 20 70 75 72 63 68 | .......|.  purch|
|00001550| 61 73 65 20 70 72 69 63 | 65 2e ff 33 b3 fd f2 fe |ase pric|e..3....|
|00001560| b2 04 fd b0 20 fd a2 fe | c4 05 c1 fe c4 07 c2 fd |.... ...|........|
|00001570| f0 fe c4 1a fd f9 28 0f | 29 fd f0 c4 fd fc 28 0f |......(.|).....(.|
|00001580| 29 fd f0 c4 fd f9 28 0f | 29 fd f0 c4 fd fc 28 0f |).....(.|).....(.|
|00001590| 29 fd f0 2d fd f9 28 0f | 29 fd f0 c4 fd fc 28 0f |)..-..(.|).....(.|
|000015a0| 29 fd f0 2d fd f9 28 0f | 29 fd a2 c2 fe c4 06 c1 |)..-..(.|).......|
|000015b0| fe c4 05 20 fd a0 43 4f | 4e 54 49 4e 55 45 11 c4 |... ..CO|NTINUE..|
|000015c0| d9 fd a2 20 b3 ff 1a fd | f2 5c ba 2f 20 5c ba 2f |... ....|.\./ \./|
|000015d0| 20 5c ba 2f 20 5c ba 2f | 20 5c ba 2f 20 5c ba 2f | \./ \./| \./ \./|
|000015e0| 20 5c ba 2f fd a2 b3 20 | fd a0 45 58 49 54 20 3c | \./... |..EXIT <|
|000015f0| 45 73 63 3e 20 00 00 01 | 00 00 00 00 00 0c 00 33 |Esc> ...|.......3|
|00001600| 00 9a 79 e7 90 9e 00 e0 | da fe c4 13 fd 0e 20 4d |..y.....|...... M|
|00001610| 4f 4e 45 59 20 46 41 43 | 54 20 fd e0 fe c4 13 bf |ONEY FAC|T ......|
|00001620| b3 ff 32 b3 b3 ff 32 b3 | b3 20 54 68 65 20 6d 65 |..2...2.|. The me|
|00001630| 64 69 61 6e 20 70 72 69 | 63 65 20 6f 66 20 61 20 |dian pri|ce of a |
|00001640| 68 6f 6d 65 20 69 6e 20 | 74 68 65 20 55 2e 53 2e |home in |the U.S.|
|00001650| 20 69 6e 20 31 39 38 38 | ff 03 b3 b3 20 77 61 73 | in 1988|.... was|
|00001660| 20 24 39 32 2c fe 30 03 | 2e ff 25 b3 b3 ff 32 b3 | $92,.0.|..%...2.|
|00001670| b3 20 49 6e 20 31 39 34 | 30 2c 20 69 74 20 77 61 |. In 194|0, it wa|
|00001680| 73 20 24 36 2c 36 30 30 | 2e ff 1a b3 b3 ff 32 b3 |s $6,600|......2.|
|00001690| b3 ff 32 b3 b3 ff 32 b3 | b3 ff 32 b3 b3 ff 32 b3 |..2...2.|..2...2.|
|000016a0| c0 fe c4 32 d9 00 00 01 | 00 00 00 00 00 17 00 4f |...2....|.......O|
|000016b0| 00 c6 14 71 8c b0 04 2f | ff 14 48 4f 57 20 59 4f |...q.../|..HOW YO|
|000016c0| 55 20 43 41 4e 20 46 49 | 4e 41 4e 43 45 20 41 20 |U CAN FI|NANCE A |
|000016d0| 4d 4f 52 54 47 41 47 45 | 20 46 4f 52 20 24 31 30 |MORTGAGE| FOR $10|
|000016e0| 30 2c fe 30 03 ff 11 fe | cd 12 d1 fe cd 08 d1 fe |0,.0....|........|
|000016f0| cd 09 d1 fe cd 08 d1 fe | cd 06 d1 fe cd 0c d1 fe |........|........|
|00001700| cd 0d fd 2e ff 12 fd 2f | b3 fd 2e ff 08 fd 2f b3 |......./|....../.|
|00001710| fd 2e 20 49 6e 74 65 72 | 65 73 74 fd 2f b3 fd 2e |.. Inter|est./...|
|00001720| 54 79 70 69 63 61 6c 20 | fd 2f b3 fd 2e ff 06 fd |Typical |./......|
|00001730| 2f b3 fd 2e ff 03 54 6f | 74 61 6c ff 04 fd 2f b3 |/.....To|tal.../.|
|00001740| fd 2e ff 03 4d 6f 6e 74 | 68 6c 79 ff 15 fd 2f b3 |....Mont|hly.../.|
|00001750| fd 2e 53 74 61 72 74 69 | 6e 67 fd 2f b3 fd 2e 20 |..Starti|ng./... |
|00001760| 20 52 61 74 65 ff 03 fd | 2f b3 fd 2e 44 6f 77 6e | Rate...|/...Down|
|00001770| 20 70 61 79 fd 2f b3 fd | 2e ff 06 fd 2f b3 fd 2e | pay./..|..../...|
|00001780| 20 20 49 6e 74 65 72 65 | 73 74 20 20 fd 2f b3 fd |  Intere|st  ./..|
|00001790| 2e ff 03 50 61 79 6d 65 | 6e 74 73 ff 03 54 79 70 |...Payme|nts..Typ|
|000017a0| 65 20 6f 66 20 6c 6f 61 | 6e ff 05 fd 2f b3 fd 2e |e of loa|n.../...|
|000017b0| 52 61 74 65 28 25 29 20 | fd 2f b3 fd 2e 20 52 61 |Rate(%) |./... Ra|
|000017c0| 6e 67 65 28 25 29 fd 2f | b3 fd 2e 2d 6d 65 6e 74 |nge(%)./|...-ment|
|000017d0| 28 25 29 fd 2f b3 fd 2e | 50 6f 69 6e 74 73 fd 2f |(%)./...|Points./|
|000017e0| b3 fd 2e ff 03 43 6f 73 | 74 20 24 ff 03 fd 2f b3 |.....Cos|t $.../.|
|000017f0| fd 2e ff 06 24 ff 06 fd | 2f fe cd 12 d8 fe cd 08 |....$...|/.......|
|00001800| d8 fe cd 09 d8 fe cd 08 | d8 fe cd 06 d8 fe cd 0c |........|........|
|00001810| d8 fe cd 0d 20 fd e4 46 | fd 2f 69 78 65 64 20 52 |.... ..F|./ixed R|
|00001820| 61 74 65 ff 07 b3 ff 08 | b3 ff 09 b3 ff 08 b3 ff |ate.....|........|
|00001830| 06 b3 ff 0c b3 ff 0e 28 | 46 52 4d 29 20 2d 20 33 |.......(|FRM) - 3|
|00001840| 30 20 79 65 61 72 20 20 | b3 ff 03 31 31 ff 03 b3 |0 year  |...11...|
|00001850| 20 20 31 31 2d 31 31 20 | 20 b3 ff 03 32 30 ff 03 |  11-11 | ...20..|
|00001860| b3 20 20 32 2d 36 20 b3 | 20 32 34 32 2c fe 30 03 |.  2-6 .| 242,.0.|
|00001870| ff 04 b3 ff 08 39 35 30 | ff 14 b3 ff 08 b3 ff 09 |.....950|........|
|00001880| b3 ff 08 b3 ff 06 b3 ff | 0c b3 ff 0e fd e4 56 fd |........|......V.|
|00001890| 2f 41 2f 46 fd e4 48 fd | 2f 41 ff 0b b3 ff 03 31 |/A/F..H.|/A.....1|
|000018a0| 30 2e 35 20 b3 31 30 2e | 35 2d 31 30 2e 35 b3 ff |0.5 .10.|5-10.5..|
|000018b0| 04 30 ff 03 b3 20 20 31 | 2d 33 20 b3 20 32 32 39 |.0...  1|-3 . 229|
|000018c0| 2c 33 30 30 ff 04 b3 ff | 08 39 31 35 ff 14 b3 ff |,300....|.915....|
|000018d0| 08 b3 ff 09 b3 ff 08 b3 | ff 06 b3 ff 0c b3 ff 0e |........|........|
|000018e0| fd e4 41 fd 2f 64 6a 75 | 73 74 61 62 6c 65 20 52 |..A./dju|stable R|
|000018f0| 61 74 65 20 20 b3 ff 04 | 39 ff 03 b3 ff 03 34 2d |ate  ...|9.....4-|
|00001900| 31 34 20 20 b3 ff 03 31 | 30 ff 03 b3 20 20 31 2d |14  ...1|0...  1-|
|00001910| 34 20 b3 20 32 31 35 2c | 39 30 30 2a 2a 20 20 b3 |4 . 215,|900**  .|
|00001920| 20 20 34 38 30 2d 31 2c | 31 38 35 ff 14 b3 ff 08 |  480-1,|185.....|
|00001930| b3 ff 09 b3 ff 08 b3 ff | 06 b3 ff 0c b3 ff 0e fd |........|........|
|00001940| e4 47 fd 2f 72 61 64 75 | 61 74 65 64 ff 08 b3 ff |.G./radu|ated....|
|00001950| 08 b3 ff 09 b3 ff 08 b3 | ff 06 b3 ff 0c b3 ff 0e |........|........|
|00001960| 50 61 79 6d 65 6e 74 20 | 28 47 50 4d 29 ff 04 b3 |Payment |(GPM)...|
|00001970| ff 03 31 31 ff 03 b3 20 | 20 31 31 2d 31 31 20 20 |..11... | 11-11  |
|00001980| b3 ff 03 32 30 ff 03 b3 | 20 20 32 2d 34 20 b3 20 |...20...|  2-4 . |
|00001990| 32 37 36 2c 38 30 30 ff | 04 b3 20 20 37 38 30 2d |276,800.|..  780-|
|000019a0| 31 2c 31 30 30 ff 14 b3 | ff 08 b3 ff 09 b3 ff 08 |1,100...|........|
|000019b0| b3 ff 06 b3 ff 0c b3 ff | 0e fd e4 52 fd 2f 65 6e |........|...R./en|
|000019c0| 65 67 6f 74 69 61 62 6c | 65 ff 05 b3 ff 08 b3 ff |egotiabl|e.......|
|000019d0| 09 b3 ff 08 b3 ff 06 b3 | ff 0c b3 ff 0e 52 61 74 |........|.....Rat|
|000019e0| 65 20 28 52 52 4d 29 ff | 07 b3 ff 03 31 30 ff 03 |e (RRM).|....10..|
|000019f0| b3 ff 03 35 2d 31 35 20 | 20 b3 ff 03 32 30 ff 03 |...5-15 | ...20..|
|00001a00| b3 20 20 32 2d 34 20 b3 | 20 32 31 35 2c 39 30 30 |.  2-4 .| 215,900|
|00001a10| 2a 2a 20 20 b3 20 20 35 | 34 30 2d 31 2c 32 36 35 |**  .  5|40-1,265|
|00001a20| ff 14 b3 ff 08 b3 ff 09 | b3 ff 08 b3 ff 06 b3 ff |........|........|
|00001a30| 0c b3 ff 0e fd e4 53 fd | 2f 68 61 72 65 64 20 41 |......S.|/hared A|
|00001a40| 70 70 72 65 2d ff 04 b3 | ff 08 b3 ff 09 b3 ff 08 |ppre-...|........|
|00001a50| b3 ff 06 b3 ff 0c b3 ff | 0e 63 69 61 74 69 6f 6e |........|.ciation|
|00001a60| 20 28 53 41 4d 29 fe 2a | 03 20 b3 ff 04 37 2e 34 | (SAM).*|. ...7.4|
|00001a70| 20 b3 ff 04 31 30 ff 03 | b3 ff 03 32 30 ff 03 b3 | ...10..|...20...|
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|00002920| 20 b3 fd f0 ff 08 fd a0 | b3 20 6e 65 65 64 65 64 | .......|. needed|
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|00002a00| 20 6c 65 6e 64 65 72 73 | 20 74 6f 20 6d 61 6b 65 | lenders| to make|
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|00002bd0| 00 18 00 4f 00 28 ea 71 | 8c 3a 04 f0 20 20 49 6e |...O.(.q|.:..  In|
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|00002c40| 6f 75 74 20 74 68 65 20 | 66 6f 6c 6c 6f 77 69 6e |out the |followin|
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|00002c60| ff 10 04 20 48 6f 77 20 | 6d 75 63 68 20 69 73 20 |... How |much is |
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|00002c80| 72 65 73 74 20 72 61 74 | 65 3f ff 16 fd 2f cd fd |rest rat|e?.../..|
|00002c90| f0 ff 10 04 20 48 6f 77 | 20 6d 75 63 68 20 61 72 |.... How| much ar|
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|00002cb0| 6e 74 68 6c 79 20 70 61 | 79 6d 65 6e 74 73 3f ff |nthly pa|yments?.|
|00002cc0| 12 fd 0f 20 fd f0 ff 10 | 04 20 48 6f 77 20 6c 6f |... ....|. How lo|
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|00002cf0| 17 fd 0f 20 fd f0 ff 10 | 04 20 48 6f 77 20 6f 66 |... ....|. How of|
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|00002d10| 20 63 68 61 6e 67 65 3f | ff 1e fd 2f 20 fd f0 ff | change?|.../ ...|
|00002d20| 10 04 20 42 79 20 68 6f | 77 20 6d 75 63 68 20 6d |.. By ho|w much m|
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|00002dc0| 6f 73 70 65 63 74 69 76 | 65 20 62 75 79 65 72 73 |ospectiv|e buyers|
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|00002df0| 6d 69 67 68 74 20 62 65 | 20 73 75 62 6a 65 63 74 |might be| subject|
|00002e00| 20 74 6f ff 07 fd 2f 20 | fd f0 20 20 6e 65 67 61 | to.../ |..  nega|
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|00002e60| 6f 6e 74 68 6c 79 20 70 | 61 79 6d 65 6e 74 73 2c |onthly p|ayments,|
|00002e70| 20 73 6f 6d 65 20 6c 65 | 6e 64 65 72 73 20 61 64 | some le|nders ad|
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|00002ef0| 20 70 61 79 6d 65 6e 74 | 73 2e ff 04 fd 2f 20 fd | payment|s..../ .|
|00002f00| f0 ff 4e fd 2f 20 fd f0 | 20 20 54 68 6f 75 67 68 |..N./ ..|  Though|
|00002f10| 20 6e 6f 74 20 61 73 20 | 63 6f 6d 6d 6f 6e 20 61 | not as |common a|
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|00002f50| ff 06 fd 0f 20 fd f0 20 | 20 6c 75 6d 70 20 73 75 |.... .. | lump su|
|00002f60| 6d 20 61 74 20 74 68 65 | 20 65 6e 64 20 6f 66 20 |m at the| end of |
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|00002fa0| 0f 20 fd f0 20 20 63 6f | 6e 73 69 64 65 72 65 64 |. ..  co|nsidered|
|00002fb0| 20 77 69 74 68 20 67 72 | 65 61 74 20 63 61 75 74 | with gr|eat caut|
|00002fc0| 69 6f 6e 2e ff 2e fd 2f | cd fd f0 ff 40 fd 0a 20 |ion..../|....@.. |
|00002fd0| 4d 6f 6e 65 79 20 fd e4 | 54 fd 0a 69 70 20 fd f0 |Money ..|T..ip ..|
|00002fe0| ff 03 fd 2f 20 fd 2e fe | c4 0c bf fd 2f ff 35 fd |.../ ...|..../.5.|
|00002ff0| 2e da fe c4 0c 43 4f 4e | 54 49 4e 55 45 11 c4 d9 |.....CON|TINUE...|
|00003000| 20 b3 fd 2f ff 35 fd 2e | b3 20 50 61 67 65 20 32 | ../.5..|. Page 2|
|00003010| 20 6f 66 20 32 00 00 01 | 00 09 00 02 00 18 00 4f | of 2...|.......O|
|00003020| 00 84 bc 71 8c 01 02 ff | ff 0c fd a0 da fe c4 14 |...q....|........|
|00003030| fd 0a 20 4d 4f 4e 45 59 | 20 54 49 50 20 fd a0 fe |.. MONEY| TIP ...|
|00003040| c4 13 bf fd f0 ff 0d fd | 2f 20 fd ff ff 0c fd a0 |........|/ ......|
|00003050| b3 ff 32 b3 fd f0 ff 0d | fd 2f 20 fd ff ff 0c fd |..2.....|./ .....|
|00003060| a0 b3 20 53 68 6f 72 74 | 65 72 20 74 65 72 6d 20 |.. Short|er term |
|00003070| 6d 6f 72 74 67 61 67 65 | 73 20 61 72 65 20 6d 75 |mortgage|s are mu|
|00003080| 63 68 20 6d 6f 72 65 20 | 61 76 61 69 6c 61 62 6c |ch more |availabl|
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|000030a0| a0 b3 20 6e 6f 77 20 74 | 68 61 6e 20 74 65 6e 20 |.. now t|han ten |
|000030b0| 79 65 61 72 73 20 61 67 | 6f 2e ff 1a b3 fd f0 ff |years ag|o.......|
|000030c0| 0d fd 0f 20 fd ff ff 0c | fd a0 b3 ff 32 b3 fd f0 |... ....|....2...|
|000030d0| ff 0d fd 2f 20 fd ff ff | 0c fd a0 b3 20 53 68 6f |.../ ...|.... Sho|
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|000030f0| 64 75 63 65 73 20 74 6f | 74 61 6c 20 69 6e 74 65 |duces to|tal inte|
|00003100| 72 65 73 74 20 63 6f 73 | 74 73 ff 04 b3 fd f0 ff |rest cos|ts......|
|00003110| 0d fd 2f 20 fd ff ff 0c | fd a0 b3 20 73 75 62 73 |../ ....|... subs|
|00003120| 74 61 6e 74 69 61 6c 6c | 79 20 62 75 74 20 74 68 |tantiall|y but th|
|00003130| 69 73 20 69 73 20 6e 6f | 74 20 61 20 67 6f 6f 64 |is is no|t a good|
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|00003160| 65 20 73 74 72 65 74 63 | 68 65 64 20 74 6f 6f 20 |e stretc|hed too |
|00003170| 74 68 69 6e 20 74 6f 20 | 63 6f 76 65 72 20 74 68 |thin to |cover th|
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|00003190| fd 0f 20 fd ff ff 0c fd | a0 b3 20 70 61 79 6d 65 |.. .....|.. payme|
|000031a0| 6e 74 73 20 77 69 74 68 | 20 79 6f 75 72 20 69 6e |nts with| your in|
|000031b0| 63 6f 6d 65 2e ff 17 b3 | fd f0 ff 0d fd 2f 20 fd |come....|...../ .|
|000031c0| ff ff 0c fd a0 b3 ff 32 | b3 fd f0 ff 0d fd 2f 20 |.......2|....../ |
|000031d0| fd ff ff 0c fd a0 b3 ff | 32 b3 fd f0 ff 0d fd 0f |........|2.......|
|000031e0| 20 fd ff ff 0c fd a0 b3 | ff 32 b3 fd f0 ff 0d fd | .......|.2......|
|000031f0| 0f 20 fd ff ff 0c fd a0 | c0 fe c4 32 d9 fd f0 ff |. ......|...2....|
|00003200| 0d fd 2f cd fd f0 ff 4d | fd 2f 20 fd 2e fe c4 0b |../....M|./ .....|
|00003210| bf ff 35 da fe c4 0c 4f | 4e 54 49 4e 55 45 11 c4 |..5....O|NTINUE..|
|00003220| d9 20 b3 ff 35 b3 ff 0c | 00 00 01 00 03 00 02 00 |. ..5...|........|
|00003230| 15 00 4d 00 f8 b0 de 93 | ec 00 f0 ff 58 fd a0 da |..M.....|....X...|
|00003240| fe c4 14 fd 0a 20 4d 4f | 4e 45 59 20 54 49 50 20 |..... MO|NEY TIP |
|00003250| fd a0 fe c4 13 bf fd f0 | ff 18 fd a0 b3 ff 32 b3 |........|......2.|
|00003260| fd f0 ff 18 fd a0 b3 ff | 32 b3 fd f0 ff 18 fd a0 |........|2.......|
|00003270| b3 20 49 6e 20 73 70 69 | 74 65 20 6f 66 20 74 68 |. In spi|te of th|
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|00003290| 73 2c 20 56 41 20 6d 6f | 72 74 67 61 67 65 73 ff |s, VA mo|rtgages.|
|000032a0| 04 b3 fd f0 ff 18 fd a0 | b3 20 6d 61 6b 65 20 67 |........|. make g|
|000032b0| 6f 6f 64 20 73 65 6e 73 | 65 20 66 6f 72 20 73 74 |ood sens|e for st|
|000032c0| 61 72 74 65 72 20 68 6f | 6d 65 73 2e ff 0f b3 fd |arter ho|mes.....|
|000032d0| f0 ff 18 fd a0 b3 ff 32 | b3 fd f0 ff 18 fd a0 b3 |.......2|........|
|000032e0| ff 32 b3 fd f0 ff 18 fd | a0 b3 ff 32 b3 fd f0 ff |.2......|...2....|
|000032f0| 18 fd a0 b3 ff 32 b3 fd | f0 ff 18 fd a0 b3 ff 32 |.....2..|.......2|
|00003300| b3 fd f0 ff 18 fd a0 b3 | ff 32 b3 fd f0 ff 18 fd |........|.2......|
|00003310| a0 b3 ff 32 b3 fd f0 ff | 18 fd a0 c0 fe c4 32 d9 |...2....|......2.|
|00003320| fd f0 ff ff ff 89 00 00 | 01 00 0a 00 02 00 16 00 |........|........|
|00003330| 4d 00 7a 50 e7 90 8c 01 | f0 ff 0c fd e0 da fe c4 |M.zP....|........|
|00003340| 13 fd 0e 20 4d 4f 4e 45 | 59 20 46 41 43 54 20 fd |... MONE|Y FACT .|
|00003350| e0 fe c4 13 bf fd f0 ff | 18 fd e0 b3 ff 32 b3 fd |........|.....2..|
|00003360| f0 ff 18 fd e0 b3 ff 32 | b3 fd f0 ff 18 fd e0 b3 |.......2|........|
|00003370| 20 20 4f 6e 63 65 20 61 | 20 6d 61 6a 6f 72 20 70 |  Once a| major p|
|00003380| 6c 61 79 65 72 20 69 6e | 20 74 68 65 20 6d 6f 72 |layer in| the mor|
|00003390| 74 67 61 67 65 20 6d 61 | 72 6b 65 74 2c ff 05 b3 |tgage ma|rket,...|
|000033a0| fd f0 ff 18 fd e0 b3 20 | 20 69 6e 73 75 72 69 6e |....... | insurin|
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|000033c0| 20 6f 66 20 61 6c 6c 20 | 6d 6f 72 74 67 61 67 65 | of all |mortgage|
|000033d0| 73 2c 20 46 48 41 ff 03 | b3 fd f0 ff 18 fd e0 b3 |s, FHA..|........|
|000033e0| 20 20 6d 6f 72 74 67 61 | 67 65 73 20 68 61 76 65 |  mortga|ges have|
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|00003410| 65 20 b3 fd f0 ff 18 fd | e0 b3 20 20 6d 6f 72 65 |e ......|..  more|
|00003420| 20 6d 6f 62 69 6c 65 20 | 61 6e 64 20 64 65 6d 61 | mobile |and dema|
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|00003450| b3 20 20 68 6f 6d 65 20 | 73 65 6c 6c 69 6e 67 20 |.  home |selling |
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|000034b0| e0 b3 ff 32 b3 fd f0 ff | 18 fd e0 c0 fe c4 32 d9 |...2....|......2.|
|000034c0| fd f0 ff 58 00 00 01 00 | 06 00 06 00 18 00 4e 00 |...X....|......N.|
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|000034e0| 45 4e 54 20 43 4f 53 54 | 53 ff 1a fd f0 b3 20 b3 |ENT COST|S..... .|
|000034f0| 5c fd b0 20 fd 2f ff 03 | 53 65 74 74 6c 65 6d 65 |\.. ./..|Settleme|
|00003500| 6e 74 20 63 6f 73 74 73 | 20 76 61 72 79 20 66 72 |nt costs| vary fr|
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|00003530| 65 2e 20 20 46 6f 72 20 | 20 fd f0 b3 20 b3 fd b0 |e.  For | ... ...|
|00003540| 20 20 fd 2f ff 03 61 20 | 24 31 30 30 2c fe 30 03 |  ./..a |$100,.0.|
|00003550| 20 68 6f 6d 65 20 73 6f | 6d 65 20 74 79 70 69 63 | home so|me typic|
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|00003590| fd 2f ff 0f 54 72 61 6e | 73 66 65 72 20 74 61 78 |./..Tran|sfer tax|
|000035a0| ff 14 24 20 31 2c 35 30 | 30 ff 0e fd f0 b3 20 b3 |..$ 1,50|0..... .|
|000035b0| fd b0 20 20 fd 2f ff 0f | 45 73 63 72 6f 77 65 64 |..  ./..|Escrowed|
|000035c0| 20 70 72 6f 70 65 72 74 | 79 20 74 61 78 65 73 ff | propert|y taxes.|
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|000035e0| 20 fd 2f ff 0f 4c 6f 61 | 6e 2d 6f 72 69 67 69 6e | ./..Loa|n-origin|
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|00003630| 0e fd f0 b3 20 b3 fd b0 | 20 20 fd 2f ff 0f 48 6f |.... ...|  ./..Ho|
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|000036c0| b3 fd b0 20 20 fd 2f ff | 0f 54 65 72 6d 69 74 65 |...  ./.|.Termite|
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|000037e0| ba 2f 20 5c ba 2f 20 5c | ba 2f 20 5c ba 2f 20 5c |./ \./ \|./ \./ \|
|000037f0| ba 2f 20 5c ba 2f fd a2 | b3 ff 0b 00 00 01 00 07 |./ \./..|........|
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|00003830| ff 32 b3 fd 20 ff 0b fd | a0 b3 ff 32 b3 fd 20 ff |.2.. ...|...2.. .|
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|00003930| 0b fd a0 b3 ff 32 b3 fd | 20 ff 0b fd a0 b3 ff 32 |.....2..| ......2|
|00003940| b3 fd 20 ff 0b fd a0 c0 | fe c4 32 d9 fd 20 ff 0b |.. .....|..2.. ..|
|00003950| fd 2f ff 34 fd 20 ff 0b | fd 2f ff 34 fd 20 ff 06 |./.4. ..|./.4. ..|
|00003960| 00 00 01 00 06 00 06 00 | 17 00 4e 00 64 44 39 8c |........|..N.dD9.|
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|00003990| fd 2f ff 44 fd f0 b3 20 | b3 fd b0 20 20 fd 2f 20 |./.D... |...  ./ |
|000039a0| 20 50 61 79 69 6e 67 20 | 79 6f 75 72 20 6d 6f 6e | Paying |your mon|
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|000039c0| 79 6d 65 6e 74 73 20 77 | 69 6c 6c 20 62 65 20 61 |yments w|ill be a|
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|00003a20| f0 b3 20 b3 fd b0 20 20 | fd 2f 20 20 4d 6f 73 74 |.. ...  |./  Most|
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|00003a40| 20 61 74 20 6c 65 61 73 | 74 20 31 30 25 20 6f 66 | at leas|t 10% of|
|00003a50| 20 74 68 65 20 70 72 69 | 63 65 20 6f 66 20 74 68 | the pri|ce of th|
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|00003ab0| 20 fd 2f ff 44 fd f0 b3 | 20 b3 fd b0 20 20 fd 2f | ./.D...| ...  ./|
|00003ac0| 20 20 4d 6f 73 74 20 6c | 65 6e 64 65 72 73 20 61 |  Most l|enders a|
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|00003af0| 69 6e 67 20 64 6f 77 6e | 20 6c 65 73 73 20 74 68 |ing down| less th|
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|00003b10| 20 32 30 25 20 62 75 79 | 20 70 72 69 76 61 74 65 | 20% buy| private|
|00003b20| 20 6d 6f 72 74 67 61 67 | 65 20 fd e4 69 fd 2f 6e | mortgag|e ..i./n|
|00003b30| 73 75 72 61 6e 63 65 2c | 20 6f 72 20 50 4d 49 2e |surance,| or PMI.|
|00003b40| 20 20 59 6f 75 20 70 61 | 79 20 50 4d 49 20 75 6e |  You pa|y PMI un|
|00003b50| 74 69 6c ff 04 fd f0 b3 | 20 b3 fd b0 20 20 fd 2f |til.....| ...  ./|
|00003b60| 20 20 79 6f 75 72 20 68 | 6f 6d 65 20 65 71 75 69 |  your h|ome equi|
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|00003b80| 20 74 68 65 20 66 61 69 | 72 20 6d 61 72 6b 65 74 | the fai|r market|
|00003b90| 20 76 61 6c 75 65 20 28 | 75 73 75 61 6c 6c 79 ff | value (|usually.|
|00003ba0| 05 fd f0 b3 20 b3 fd b0 | 20 20 fd 2f 20 20 74 68 |.... ...|  ./  th|
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|00003bc0| 20 74 6f 20 6e 69 6e 65 | 20 79 65 61 72 73 29 20 | to nine| years) |
|00003bd0| 6f 66 20 74 68 65 20 68 | 6f 75 73 65 2e ff 13 fd |of the h|ouse....|
|00003be0| f0 b3 20 b3 fd b0 20 20 | fd 2f ff 44 fd f0 b3 fd |.. ...  |./.D....|
|00003bf0| f2 fe b2 03 fd b0 20 fd | 2f 20 20 41 20 6d 69 6e |...... .|/  A min|
|00003c00| 69 6d 61 6c 20 64 6f 77 | 6e 20 70 61 79 6d 65 6e |imal dow|n paymen|
|00003c10| 74 20 77 69 6c 6c 20 61 | 6c 73 6f 20 62 6f 6f 73 |t will a|lso boos|
|00003c20| 74 20 74 68 65 20 63 6f | 73 74 20 6f 66 20 61 6e |t the co|st of an|
|00003c30| 79 20 fd e4 70 fd 2f 6f | 69 6e 74 73 2c ff 04 fd |y ..p./o|ints,...|
|00003c40| f0 b3 fd f2 fe b2 04 fd | 2f 20 20 6f 72 20 6c 6f |........|/  or lo|
|00003c50| 61 6e 20 6f 72 69 67 69 | 6e 61 74 69 6f 6e 20 66 |an origi|nation f|
|00003c60| 65 65 73 2c 20 79 6f 75 | 20 6d 75 73 74 20 70 61 |ees, you| must pa|
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|00003c80| f0 b3 fd f2 fe b2 04 fd | 2f ff 44 fd f0 b3 fd f2 |........|/.D.....|
|00003c90| fe b2 04 fd a2 fe c4 07 | c2 fd f0 fe c4 1a fd f9 |........|........|
|00003ca0| 28 0f 29 fd f0 c4 fd fc | 28 0f 29 fd f0 c4 fd f9 |(.).....|(.).....|
|00003cb0| 28 0f 29 fd f0 c4 fd fc | 28 0f 29 fd f0 2d fd f9 |(.).....|(.)..-..|
|00003cc0| 28 0f 29 fd f0 c4 fd fc | 28 0f 29 fd f0 2d fd f9 |(.).....|(.)..-..|
|00003cd0| 28 0f 29 fd a2 c2 fe c4 | 06 c1 fe c4 04 fd a0 4e |(.).....|.......N|
|00003ce0| 55 45 11 c4 d9 fd a2 20 | b3 ff 1a fd f2 5c ba 2f |UE..... |.....\./|
|00003cf0| 20 5c ba 2f 20 5c ba 2f | 20 5c ba 2f 20 5c ba 2f | \./ \./| \./ \./|
|00003d00| 20 5c ba 2f 20 5c ba 2f | fd a2 b3 20 fd a0 ff 0a | \./ \./|... ....|
|00003d10| 00 00 01 00 00 00 00 00 | 0e 00 3f 00 04 52 3a 9a |........|..?..R:.|
|00003d20| 3d 01 f0 ff 13 50 52 49 | 56 41 54 45 20 4d 4f 52 |=....PRI|VATE MOR|
|00003d30| 54 47 41 47 45 20 49 4e | 53 55 52 41 4e 43 45 ff |TGAGE IN|SURANCE.|
|00003d40| 31 28 50 4d 49 29 ff 60 | 41 20 72 75 6c 65 20 6f |1(PMI).`|A rule o|
|00003d50| 66 20 74 68 75 6d 62 3a | 20 74 68 65 20 74 69 6e |f thumb:| the tin|
|00003d60| 69 65 72 20 79 6f 75 72 | 20 64 6f 77 6e 20 70 61 |ier your| down pa|
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|00003d80| 65 72 ff 06 74 68 65 20 | 50 4d 49 2e 20 20 46 6f |er..the |PMI.  Fo|
|00003d90| 72 20 69 6e 73 74 61 6e | 63 65 3a ff 3c 4f 4e 20 |r instan|ce:.<ON |
|00003da0| 41 20 24 31 30 30 2c fe | 30 03 20 4d 4f 52 54 47 |A $100,.|0. MORTG|
|00003db0| 41 47 45 ff 67 44 6f 77 | 6e ff 06 49 6e 69 74 69 |AGE.gDow|n..Initi|
|00003dc0| 61 6c ff 03 4d 6f 6e 74 | 68 6c 79 ff 25 70 61 79 |al..Mont|hly.%pay|
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|00003de0| 70 65 72 63 65 6e 74 ff | 03 50 61 79 6d 65 6e 74 |percent.|.Payment|
|00003df0| ff 03 50 61 79 6d 65 6e | 74 ff 24 da fe c4 08 c2 |..Paymen|t.$.....|
|00003e00| fe c4 09 c2 fe c4 08 bf | ff 23 b3 20 20 31 30 25 |........|.#.  10%|
|00003e10| ff 03 b3 20 24 ff 03 34 | 30 30 20 b3 20 20 24 20 |... $..4|00 .  $ |
|00003e20| 32 30 20 20 b3 ff 23 b3 | ff 08 b3 ff 09 b3 ff 08 |20  ..#.|........|
|00003e30| b3 ff 23 b3 ff 03 35 25 | ff 03 b3 20 24 20 31 2c |..#...5%|... $ 1,|
|00003e40| fe 30 03 20 b3 20 20 24 | 20 33 30 20 20 b3 ff 23 |.0. .  $| 30  ..#|
|00003e50| c0 fe c4 08 c1 fe c4 09 | c1 fe c4 08 d9 ff 11 00 |........|........|
|00003e60| 00 01 00 00 00 00 00 03 | 00 36 00 fe f1 71 8c 51 |........|.6...q.Q|
|00003e70| 00 f0 ff 38 34 2e fd f2 | 20 43 41 53 48 20 4e 45 |...84...| CASH NE|
|00003e80| 45 44 45 44 fd f0 20 2d | 20 6d 75 73 74 20 65 71 |EDED.. -| must eq|
|00003e90| 75 61 6c 20 74 68 65 20 | 64 6f 77 6e 20 70 61 79 |ual the |down pay|
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|00003eb0| 65 74 74 6c 65 6d 65 6e | 74 20 63 6f 73 74 73 2e |ettlemen|t costs.|
|00003ec0| ff 55 00 00 01 00 00 00 | 00 00 17 00 4f 00 64 44 |.U......|....O.dD|
|00003ed0| 39 8c 58 04 2f ff 1a 48 | 4f 57 20 4d 55 43 48 20 |9.X./..H|OW MUCH |
|00003ee0| 48 4f 4d 45 20 43 41 4e | 20 59 4f 55 20 41 46 46 |HOME CAN| YOU AFF|
|00003ef0| 4f 52 44 3f ff 6d 41 73 | 73 75 6d 65 20 61 20 33 |ORD?.mAs|sume a 3|
|00003f00| 30 2d 79 65 61 72 20 74 | 65 72 6d 20 66 69 78 65 |0-year t|erm fixe|
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|00003f20| 28 46 52 4d 29 20 77 69 | 74 68 20 61 20 32 30 25 |(FRM) wi|th a 20%|
|00003f30| 20 64 6f 77 6e 20 70 61 | 79 6d 65 6e 74 2e ff 55 | down pa|yment..U|
|00003f40| 54 4f 54 41 4c 20 48 4f | 4d 45 b3 20 fd e4 44 fd |TOTAL HO|ME. ..D.|
|00003f50| 2f 4f 57 4e ff 04 b3 20 | 4d 4f 52 54 47 41 47 45 |/OWN... |MORTGAGE|
|00003f60| 20 b3 fd e4 4d fd 2f 4f | 4e 54 48 4c 59 20 50 41 | ...M./O|NTHLY PA|
|00003f70| 59 4d 45 4e 54 53 20 55 | 4e 44 45 52 20 54 48 45 |YMENTS U|NDER THE|
|00003f80| 20 46 4f 4c 4c 4f 57 49 | 4e 47 20 49 4e 54 45 52 | FOLLOWI|NG INTER|
|00003f90| 45 53 54 2a 20 20 fd e4 | 43 fd 2f 4f 53 54 2a ff |EST*  ..|C./OST*.|
|00003fa0| 05 b3 20 50 41 59 4d 45 | 4e 54 20 b3 20 41 4d 4f |.. PAYME|NT . AMO|
|00003fb0| 55 4e 54 ff 03 b3 20 20 | 38 25 ff 05 39 25 ff 04 |UNT...  |8%..9%..|
|00003fc0| 31 30 25 ff 04 31 31 25 | ff 04 31 32 25 ff 04 31 |10%..11%|..12%..1|
|00003fd0| 33 25 ff 04 31 34 25 20 | fe cd 0b d8 fe cd 09 d8 |3%..14% |........|
|00003fe0| fe cd 0a d8 fe cd 05 d1 | fe cd 06 d1 fe cd 06 d1 |........|........|
|00003ff0| fe cd 06 d1 fe cd 06 d1 | fe cd 06 d1 fe cd 06 20 |........|....... |
|00004000| 24 20 20 35 30 2c fe 30 | 03 20 b3 24 20 31 30 2c |$  50,.0|. .$ 10,|
|00004010| fe 30 03 20 b3 24 20 20 | 34 30 2c fe 30 03 20 b3 |.0. .$  |40,.0. .|
|00004020| 20 20 32 39 34 b3 ff 03 | 33 32 32 b3 ff 03 33 35 |  294...|322...35|
|00004030| 30 b3 ff 03 33 37 39 b3 | ff 03 34 31 31 b3 ff 03 |0...379.|..411...|
|00004040| 34 34 31 b3 20 20 34 37 | 34 20 fe c4 0b c5 fe c4 |441.  47|4 ......|
|00004050| 09 c5 fe c4 0a c5 fe c4 | 05 c5 fe c4 06 c5 fe c4 |........|........|
|00004060| 06 c5 fe c4 06 c5 fe c4 | 06 c5 fe c4 06 c5 fe c4 |........|........|
|00004070| 06 20 24 20 20 37 35 2c | fe 30 03 20 b3 24 20 31 |. $  75,|.0. .$ 1|
|00004080| 35 2c fe 30 03 20 b3 24 | 20 20 36 30 2c fe 30 03 |5,.0. .$|  60,.0.|
|00004090| 20 b3 20 20 34 34 30 b3 | ff 03 34 38 33 b3 ff 03 | .  440.|..483...|
|000040a0| 35 32 35 b3 ff 03 35 36 | 38 b3 ff 03 36 31 37 b3 |525...56|8...617.|
|000040b0| ff 03 36 36 32 b3 20 20 | 37 31 31 20 fe c4 0b c5 |..662.  |711 ....|
|000040c0| fe c4 09 c5 fe c4 0a c5 | fe c4 05 c5 fe c4 06 c5 |........|........|
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|000040e0| fe c4 06 20 24 20 31 30 | 30 2c fe 30 03 20 b3 24 |... $ 10|0,.0. .$|
|000040f0| 20 32 30 2c fe 30 03 20 | b3 24 20 20 38 30 2c fe | 20,.0. |.$  80,.|
|00004100| 30 03 20 b3 20 20 35 38 | 37 b3 ff 03 36 34 34 b3 |0. .  58|7...644.|
|00004110| ff 03 37 30 30 b3 ff 03 | 37 35 38 b3 ff 03 38 32 |..700...|758...82|
|00004120| 32 b3 ff 03 38 38 32 b3 | 20 20 39 34 38 20 fe c4 |2...882.|  948 ..|
|00004130| 0b c5 fe c4 09 c5 fe c4 | 0a c5 fe c4 05 c5 fe c4 |........|........|
|00004140| 06 c5 fe c4 06 c5 fe c4 | 06 c5 fe c4 06 c5 fe c4 |........|........|
|00004150| 06 c5 fe c4 06 20 24 20 | 31 35 30 2c fe 30 03 20 |..... $ |150,.0. |
|00004160| b3 24 20 33 30 2c fe 30 | 03 20 b3 24 20 31 32 30 |.$ 30,.0|. .$ 120|
|00004170| 2c fe 30 03 20 b3 20 20 | 38 38 30 b3 ff 03 39 36 |,.0. .  |880...96|
|00004180| 36 b3 20 20 31 30 35 30 | b3 20 20 31 31 33 36 b3 |6.  1050|.  1136.|
|00004190| 20 20 31 32 33 34 b3 20 | 20 31 33 32 34 b3 20 31 |  1234. | 1324. 1|
|000041a0| 34 32 32 20 fe c4 0b c5 | fe c4 09 c5 fe c4 0a c5 |422 ....|........|
|000041b0| fe c4 05 c5 fe c4 06 c5 | fe c4 06 c5 fe c4 06 c5 |........|........|
|000041c0| fe c4 06 c5 fe c4 06 c5 | fe c4 06 20 24 20 32 30 |........|... $ 20|
|000041d0| 30 2c fe 30 03 20 b3 24 | 20 34 30 2c fe 30 03 20 |0,.0. .$| 40,.0. |
|000041e0| b3 24 20 31 36 30 2c fe | 30 03 20 b3 20 31 31 37 |.$ 160,.|0. . 117|
|000041f0| 34 b3 20 20 31 32 38 38 | b3 20 20 31 34 30 30 b3 |4.  1288|.  1400.|
|00004200| 20 20 31 35 31 36 b3 20 | 20 31 36 34 34 b3 20 20 |  1516. | 1644.  |
|00004210| 31 37 36 34 b3 20 31 38 | 39 36 20 fe c4 0b c5 fe |1764. 18|96 .....|
|00004220| c4 09 c5 fe c4 0a c5 fe | c4 05 c5 fe c4 06 c5 fe |........|........|
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|00004240| c4 06 20 24 20 33 30 30 | 2c fe 30 03 20 b3 24 20 |.. $ 300|,.0. .$ |
|00004250| 36 30 2c fe 30 03 20 b3 | 24 20 32 34 30 2c fe 30 |60,.0. .|$ 240,.0|
|00004260| 03 20 b3 20 31 37 36 30 | b3 20 20 31 39 33 32 b3 |. . 1760|.  1932.|
|00004270| 20 20 32 31 30 30 b3 20 | 20 32 32 37 32 b3 20 20 |  2100. | 2272.  |
|00004280| 32 34 36 38 b3 20 20 32 | 36 34 38 b3 20 32 38 34 |2468.  2|648. 284|
|00004290| 34 20 fe cd 0b cf fe cd | 09 cf fe cd 0a cf fe cd |4 ......|........|
|000042a0| 05 cf fe cd 06 cf fe cd | 06 cf fe cd 06 cf fe cd |........|........|
|000042b0| 06 cf fe cd 06 cf fe cd | 06 20 2a 20 54 68 69 73 |........|. * This|
|000042c0| 20 64 6f 65 73 20 6e 6f | 74 20 69 6e 63 6c 75 64 | does no|t includ|
|000042d0| 65 20 74 61 78 65 73 2c | 20 69 6e 73 75 72 61 6e |e taxes,| insuran|
|000042e0| 63 65 20 61 6e 64 20 67 | 65 6e 65 72 61 6c 20 75 |ce and g|eneral u|
|000042f0| 70 6b 65 65 70 2e ff 66 | fd 0e 20 4d 6f 6e 65 79 |pkeep..f|.. Money|
|00004300| 20 fd e4 46 fd 0e 61 63 | 74 20 fd 2f ff 41 fd 2e | ..F..ac|t ./.A..|
|00004310| fe c4 0d bf fd 2f ff 42 | fd 2e 20 43 4f 4e 54 49 |...../.B|.. CONTI|
|00004320| 4e 55 45 11 c4 d9 20 b3 | fd 2f ff 42 00 00 01 00 |NUE... .|./.B....|
|00004330| 02 00 09 00 15 00 46 00 | 68 15 de 93 df 01 20 ff |......F.|h..... .|
|00004340| 43 fd e0 da fe c4 13 fd | 0e 20 4d 4f 4e 45 59 20 |C.......|. MONEY |
|00004350| 46 41 43 54 20 fd e0 fe | c4 13 bf fd 2f ff 05 fd |FACT ...|..../...|
|00004360| 20 ff 05 fd e0 b3 ff 32 | b3 fd 2f ff 05 fd 20 ff | ......2|../... .|
|00004370| 05 fd e0 b3 20 54 68 65 | 20 61 76 65 72 61 67 65 |.... The| average|
|00004380| 20 66 6c 6f 6f 72 20 61 | 72 65 61 20 6f 66 20 74 | floor a|rea of t|
|00004390| 6f 64 61 79 27 73 20 68 | 6f 6d 65 73 20 69 73 20 |oday's h|omes is |
|000043a0| 61 62 6f 75 74 20 b3 fd | 2f ff 05 fd 20 ff 05 fd |about ..|/... ...|
|000043b0| e0 b3 20 31 37 30 30 20 | 73 71 75 61 72 65 20 66 |.. 1700 |square f|
|000043c0| 65 65 74 2e ff 20 b3 fd | 2f ff 05 fd 20 ff 05 fd |eet.. ..|/... ...|
|000043d0| e0 b3 ff 32 b3 fd 2f ff | 05 fd 20 ff 05 fd e0 b3 |...2../.|.. .....|
|000043e0| 20 49 6e 20 31 39 35 30 | 2c 20 69 74 20 77 61 73 | In 1950|, it was|
|000043f0| 20 6f 6e 6c 79 20 39 38 | 30 2e ff 18 b3 fd 2f ff | only 98|0...../.|
|00004400| 05 fd 20 ff 05 fd e0 b3 | ff 32 b3 fd 2f ff 05 fd |.. .....|.2../...|
|00004410| 20 ff 05 fd e0 b3 20 54 | 68 65 20 6d 61 69 6e 20 | ..... T|he main |
|00004420| 72 65 61 73 6f 6e 20 66 | 6f 72 20 74 68 65 20 64 |reason f|or the d|
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|00004450| 74 6f 64 61 79 27 73 20 | 70 61 72 65 6e 74 73 20 |today's |parents |
|00004460| 77 61 6e 74 20 6d 6f 72 | 65 20 70 72 69 76 61 63 |want mor|e privac|
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|000044a0| 6c 75 64 69 6e 67 20 61 | 20 73 65 70 61 72 61 74 |luding a| separat|
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|000044d0| fd 20 ff 05 fd e0 b3 ff | 32 b3 fd 2f ff 05 fd 20 |. ......|2../... |
|000044e0| ff 05 fd e0 c0 fe c4 32 | d9 fd 2f ff 05 fd 20 ff |.......2|../... .|
|000044f0| 05 fd 2f ff 39 fd 20 ff | 39 fd 2f ff 05 fd 20 ff |../.9. .|9./... .|
|00004500| 39 fd 2f ff 05 fd 20 ff | 39 fd 2f ff 05 fd 20 ff |9./... .|9./... .|
|00004510| 39 fd 2f ff 05 fd 20 ff | 39 fd 2f ff 05 00 00 01 |9./... .|9./.....|
|00004520| 00 00 00 00 00 17 00 4f | 00 e0 52 71 8c e0 03 f0 |.......O|..Rq....|
|00004530| ff 19 54 48 45 20 41 4d | 45 52 49 43 41 4e 20 48 |..THE AM|ERICAN H|
|00004540| 4f 4d 45 20 42 55 59 49 | 4e 47 20 43 59 43 4c 45 |OME BUYI|NG CYCLE|
|00004550| ff 69 fd f2 20 31 2e 20 | 54 48 45 20 53 54 41 52 |.i.. 1. |THE STAR|
|00004560| 54 45 52 20 48 4f 4d 45 | 20 fd f0 ff 16 da c4 c4 |TER HOME| .......|
|00004570| 10 fd f2 32 2e 20 54 48 | 45 20 59 4f 55 4e 47 20 |...2. TH|E YOUNG |
|00004580| 46 41 4d 49 4c 59 20 48 | 4f 4d 45 fd f0 ff 0c fd |FAMILY H|OME.....|
|00004590| ef df fd e0 2f fe c4 09 | 5c fd ef df fd f0 20 fd |..../...|\..... .|
|000045a0| ce 4d fd f0 6f 72 74 67 | 61 67 65 20 74 79 70 65 |.M..ortg|age type|
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|000045c0| 20 fd ce 4d fd f0 6f 72 | 74 67 61 67 65 20 74 79 | ..M..or|tgage ty|
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|000045e0| df fd ce 42 fd f0 75 79 | 2f 52 65 6e 74 3f ff 10 |...B..uy|/Rent?..|
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|00004600| e0 20 2f da fe c4 0d bf | 5c 20 fd ce 43 fd f0 6f |. /.....|\ ..C..o|
|00004610| 6e 64 6f 73 2f 43 6f 6f | 70 73 3f ff 0b b3 fd 3f |ndos/Coo|ps?....?|
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|00004630| 20 da c4 bf ff 03 da c4 | c2 c4 bf 20 b3 fd f0 ff | .......|... ....|
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|00004650| da c4 c2 c4 bf 20 b3 fd | f0 ff 13 fd e0 b3 20 b3 |..... ..|...... .|
|00004660| 20 b3 ff 03 c0 c4 c1 c4 | d9 20 b3 fd f0 ff 1a b3 | .......|. ......|
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|000046b0| 09 b3 ff 1f c0 fe c4 25 | d9 ff 09 b3 4d 61 6b 65 |.......%|....Make|
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|000046e0| fe 2e 03 ff 43 b3 ff 4f | b3 ff 1a fd f2 20 34 2e |....C..O|..... 4.|
|000046f0| 20 54 48 45 20 52 45 54 | 49 52 45 4d 45 4e 54 20 | THE RET|IREMENT |
|00004700| 48 4f 4d 45 20 fd f0 11 | fe c4 0d bf ff 07 fd f2 |HOME ...|........|
|00004710| 20 33 2e 20 54 48 45 20 | 4d 41 54 55 52 45 20 46 | 3. THE |MATURE F|
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|00004730| fd 1f df 2f fe c4 09 5c | df fd f0 20 fd ce 54 fd |.../...\|... ..T.|
|00004740| f0 72 61 64 65 20 64 6f | 77 6e 2c 20 68 6f 6c 64 |.rade do|wn, hold|
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|00004760| fd f0 ff 14 fd 1f df 2f | ff 0d 5c df fd f0 72 65 |......./|..\...re|
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|00004780| 05 5c df fd f0 ff 0c fd | 1f 20 2f da fe c4 0d bf |.\......|. /.....|
|00004790| 5c 20 fd ce 43 fd f0 6f | 6e 64 6f 73 2f 43 6f 6f |\ ..C..o|ndos/Coo|
|000047a0| 70 73 3f ff 05 b3 ff 05 | fd 6f 20 2f da fe c4 0f |ps?.....|.o /....|
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|000047c0| c4 bf ff 03 da c4 c2 c4 | bf 28 29 fd f0 ff 03 4d |........|.()....M|
|000047d0| 6f 76 65 20 69 6e 74 6f | ff 08 b3 ff 04 fd 6f 20 |ove into|......o |
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|000047f0| bf 20 b3 fe c4 03 c2 fe | c4 03 bf 5c df fd f0 ff |. ......|...\....|
|00004800| 07 fd 1f 20 28 28 29 29 | b3 20 28 29 20 28 29 c4 |... (())|. () ().|
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|00004820| 61 74 69 6f 6e 20 68 6f | 6d 65 3f ff 04 b3 ff 03 |ation ho|me?.....|
|00004830| fd 6f 20 20 28 28 29 29 | c4 c1 c4 28 29 20 b3 28 |.o  (())|...() .(|
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|00004850| ff 1c 42 75 79 20 73 68 | 61 72 65 20 69 6e ff 07 |..Buy sh|are in..|
|00004860| b3 ff 0e b3 55 73 65 20 | 68 6f 6d 65 20 fd ce 45 |....Use |home ..E|
|00004870| fd f0 71 75 69 74 79 20 | 6f 72 ff 1a fd ce 4c fd |..quity |or....L.|
|00004880| f0 69 66 65 74 69 6d 65 | 20 63 6f 6d 6d 75 6e 69 |.ifetime| communi|
|00004890| 74 79 3f 20 b3 ff 0e b3 | 20 72 65 66 69 6e 61 6e |ty? ....| refinan|
|000048a0| 63 65 20 6d 6f 72 74 67 | 61 67 65 3f ff 18 fd ce |ce mortg|age?....|
|000048b0| 4d fd f0 6f 72 74 67 61 | 67 65 20 74 79 70 65 3f |M..ortga|ge type?|
|000048c0| ff 06 c0 fe c4 0e d9 20 | 20 42 75 79 20 fd ce 56 |....... | Buy ..V|
|000048d0| fd f0 61 63 61 74 69 6f | 6e 20 68 6f 6d 65 3f ff |..acatio|n home?.|
|000048e0| 06 fe c4 0d bf ff 27 fd | ce 4d fd f0 6f 72 74 67 |......'.|.M..ortg|
|000048f0| 61 67 65 20 74 79 70 65 | 3f da fe c4 0c ff 0d b3 |age type|?.......|
|00004900| ff 35 b3 20 45 58 49 54 | 20 3c 45 73 63 3e 20 00 |.5. EXIT| <Esc> .|
|00004910| 00 01 00 06 00 06 00 16 | 00 49 00 94 4a 39 8c a6 |........|.I..J9..|
|00004920| 01 f0 c9 fe cd 17 54 48 | 45 20 48 4f 4d 45 20 42 |......TH|E HOME B|
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|00004a70| ff 42 ba ba ff 42 ba ba | ff 42 ba ba ff 42 ba fd |.B...B..|.B...B..|
|00004a80| a2 d0 fe c4 06 c2 fd f0 | fe c4 1a fd f9 28 0f 29 |........|.....(.)|
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|00004aa0| fd f0 c4 fd fc 28 0f 29 | fd f0 2d fd f9 28 0f 29 |.....(.)|..-..(.)|
|00004ab0| fd f0 c4 fd fc 28 0f 29 | fd f0 2d fd f9 28 0f 29 |.....(.)|..-..(.)|
|00004ac0| fd a2 c2 fe c4 05 d0 00 | 00 01 00 04 00 06 00 15 |........|........|
|00004ad0| 00 48 00 3e 21 de 93 10 | 01 f0 ff 4a fd a0 da fe |.H.>!...|...J....|
|00004ae0| c4 14 fd 0a 20 4d 4f 4e | 45 59 20 54 49 50 20 fd |.... MON|EY TIP .|
|00004af0| a0 fe c4 13 bf fd f0 ff | 0f fd a0 b3 ff 32 b3 fd |........|.....2..|
|00004b00| f0 ff 0f fd a0 b3 20 4d | 61 6e 79 20 73 74 61 74 |...... M|any stat|
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|00004b30| 6f 72 ff 06 b3 fd f0 ff | 0f fd a0 b3 20 6c 6f 77 |or......|.... low|
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|00004c00| da fe c4 13 fd 0e 20 4d | 4f 4e 45 59 20 46 41 43 |...... M|ONEY FAC|
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|00004c80| 63 6f 73 74 20 61 74 74 | 72 69 62 75 74 61 62 6c |cost att|ributabl|
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|00004dc0| 43 6f 6e 64 6f 6d 69 6e | 69 75 6d 20 6f 77 6e 65 |Condomin|ium owne|
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|00004df0| 20 b3 fd 2f ff 0d fd f0 | 20 fd 2f ff 0b fd e0 b3 | ../....| ./.....|
|00004e00| 20 53 70 61 63 65 20 77 | 61 73 20 73 63 61 72 63 | Space w|as scarc|
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|00004f70| 20 fd 2f ff 4c fd f0 20 | fe c4 0a bf ff 35 da fe | ./.L.. |.....5..|
|00004f80| c4 0c 4e 54 49 4e 55 45 | 11 c4 d9 20 b3 ff 35 b3 |..NTINUE|... ..5.|
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|00004fa0| 39 8c 49 01 2f ff 53 fd | a0 da fe c4 14 fd 0a 20 |9.I./.S.|....... |
|00004fb0| 4d 4f 4e 45 59 20 54 49 | 50 20 fd a0 fe c4 13 bf |MONEY TI|P ......|
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|00005010| fd a0 b3 20 6e 65 65 64 | 20 6d 6f 72 65 20 74 68 |... need| more th|
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|00005590| 03 b3 20 20 37 35 25 ff | 04 b3 20 72 6f 6f 6d 2e |..  75%.|.. room.|
|000055a0| 20 4e 65 78 74 3a 20 67 | 72 6f 75 6e 64 2d 66 6c | Next: g|round-fl|
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|000055d0| 20 4e 65 77 20 44 65 63 | 6b 20 6f 72 20 50 61 74 | New Dec|k or Pat|
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|00005730| 69 6e 74 73 20 72 65 70 | 72 65 73 65 6e 74 20 70 |ints rep|resent p|
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+--------+-------------------------+-------------------------+--------+--------+