Atr

Front 1

1

Back 1

Consumers current or reasonably expected income

Front 2

2

Back 2

Current employment status

Front 3

3

Back 3

Monthly payment on the loan

. Balloon loans- have to consider the maximum payment for 5 yrs

. Interest only loans- consider the max interest rate

.A Neg Am loan- consider the max interest rate, and monthly payments of principal and interest that will repay the loan

Front 4

4

Back 4

Consumers monthly payment ton any simultaneous loan that the creditor know or has reasons to know will be made

Front 5

5

Back 5

The consumers monthly payment for any mortgage related obligations

Front 6

6

Back 6

The consumers current debt obligations, alimony, child support, and income

Front 7

7

Back 7

consumers DTI or residual income

Front 8

8

Back 8

The consumers credit history