$                   VEHICLE'S LOAN PAYMENT AMOUNT

LESS THAN OR EQUAL TO

$                   MAXIMUM PAYMENT-TO-INCOME (PTI) AMOUNT


CONTINUE TO: ELEMENT #5. DEBT-TO-INCOME (DIR)


If the VEHICLE LOAN PAYMENT AMOUNT is MORE THAN the MAXIMUM PAYMENT-TO-INCOME (PTI) AMOUNT:

    RETURN to the (click) "Payment Calculator"*. Decrease/Lower your TOTAL LOAN AMOUNT &/or 
    Increase/Lengthen your LOAN TERM until your Vehicle Loan Payment is LESS THAN OR EQUAL
    TO the MAXIMUM PAYMENT-TO-INCOME (PTI) AMOUNT (from Above).

RECORD: TOTAL LOAN AMOUNT $__________   PAYMENT $__________   TERM _____

THREE OPTIONS

a) Offer the Seller of the Vehicle $                   THE TOTAL LOAN AMOUNT for the Purchase of the
    Vehicle (Including: Tax, Title, License & Documentation Fees).

                                (NOTE: Disregard All Previous Offer/Purchase Price Amounts.)

b) Make a Cash or Trade-In Down Payment that will REDUCE the Total Loan Amount (Including: Tax, Title,
    License & Documentation Fees) enough to Obtain the Maximum Payment-To-Income (PTI) Amount.

c) Choose a Similar &/or Different Vehicle with a Payment Amount that is LESS THAN OR EQUAL TO
    the Maximum Payment-To-Income (PTI) Amount.

        (Note: If this Option is Chosen, the Similar &/or Different Vehicle must ALSO meet "Element #3. Loan-
         To-Value (LTV)".)

(NOTE: If you Choose One of the Above Options, you will Apply For the TOTAL LOAN AMOUNT.)

    NOW CONTINUE TO: ELEMENT #5. DEBT-TO-INCOME (DIR)


[Close this "Window" to Continue] 

*Payment calculator provided by: Bankrate, Inc.