Homebuyer Education Learning Check Module #2 – The Four C’s of Mortgage Qualification Question Title * 1. Name Question Title * 2. Phone Number Question Title * 3. Email Question Title * 4. The 4 parts of your monthly mortgage payment are: Principal, Ignoring, Tutus, Insurance Principal, Interest, Taxes, Insurance Principal, Interest, Title, Insurance Pay, Inspector, Taxes, Inspector Question Title * 5. True or False: Your total monthly Mortgage Payment (P+I+T+I) will never change (The amount you pay each month will never increase). False True Question Title * 6. What word below best describes the way in which both the total amount of interest paid and the length of time to pay off a mortgage can be reduced : Amortization Private Mortgage Insurance Prepayments Escrow Question Title * 7. Due to rising costs and your home’s increase in value, your monthly payment will increase as these items change overtime (select all that apply): Taxes Interest Rates Insurance Equity Question Title * 8. Of the Four C’s of Mortgage Qualification; Our ability to pay back the loan- A relationship between our Income and our Debt, is best defined as: Collateral Capacity Credit Cash Question Title * 9. 35% of our Credit Score is reflective of our: Length of Credit History Amounts owed/Balances on accounts Payment History Inquiries/New Accounts Question Title * 10. The biggest negative impact on our credit score occurs when this is reported to the credit bureaus: A hard pull by a mortgage lender Opening a new credit card Going over the limit on a credit card A 30 day late payment Question Title * 11. Keys to creating a successful budget include: Tracking expenses Establishing a savings goal Including the whole family All of the above Done