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Are You Ready to be a Homeowner?

This test will help you decide if you presently meet the basic financial requirements for homeownership.









1. Have you been employed continuously for the past two years ?

Yes
No

2. Have you had continuous income (from employment, benefits, government
assistance, etc) for the past two years ?

Yes
No

3. Is your gross income (yearly earnings before taxes or deductions) at
least $18,000 a year ?

Yes
No

4. If you have a positive credit history (meaning few overdue payments, late fees,
overcharges) on any of the options below, please check them.

Credit Cards

Car Loans

Utility Payments

Rent Payments

5. Do you have judgements or collections against you right now ?

Yes
No

6. Is your monthly debt (car payments, credit card payments, finance
company payment, student loans, etc.) more than 13% of your gross monthly
income (monthly earnings before taxes or deductions) ?

Yes
No