ࡱ> Y gybjbj"" 7@\@\qThh8,l "|!!!!!!!$#@&!!!5!5!5!d!5!!5!5!5!0C sv5!y!!0"5!&o&5!&5!D5!!!5!"&h> : Personal Finance, 4e (Madura) Chapter 10 Purchasing and Financing a Home 10.1 Selecting a Home True or False 1) The purchase of a home represents a potential liability if you need to move quickly and the home does not appreciate rapidly in value. Answer: TRUE Diff: 1 Page Ref: 255 Question Status: Existing/Old 2) Buying a home may be the single biggest investment you will ever make, so the decision should be taken very seriously. Answer: TRUE Diff: 1 Page Ref: 256 Question Status: Existing/Old 3) Condominiums have the advantages of sharing expenses among owners and giving the owners more privacy than single-family homes. Answer: FALSE Diff: 1 Page Ref: 256 Question Status: Existing/Old 4) Purchasing a condominium is an alternative to purchasing a home but also requires good decision-making skills. Answer: TRUE Diff: 1 Page Ref: 256 Question Status: Existing/Old 5) Real estate brokers usually offer good advice, but since they have a vested interest in you buying from them, you should also factor in your own judgment. Answer: TRUE Diff: 1 Page Ref: 256 Question Status: Existing/Old 6) Since real estate brokers are licensed and bonded, they are required to give you unbiased information about real estate purchases. Answer: FALSE Diff: 2 Page Ref: 256 Question Status: Existing/Old 7) Online realtor services are more convenient, but usually charge higher commissions than traditional full-service real estate companies. Answer: FALSE Diff: 1 Page Ref: 256 Question Status: Existing/Old Multiple Choice 1) The first step in the home-buying process should be to A) identify the specific home you want to purchase. B) determine a realistic price range of homes you can afford. C) compare the cost of buying to renting. D) find a good realtor. Answer: B Diff: 2 Page Ref: 256 Question Status: Existing/Old 2) Which of the following is true about condominiums? A) Each person owns a portion of the land on which a condominium is located B) Maintenance fees of common areas are shared C) They have more privacy than single family homes D) All of the above Answer: B Diff: 2 Page Ref: 256 Question Status: Existing/Old 3) Which of the following is false about condominiums? A) Association dues are required. B) An individual owner may mow the grass or make any repairs to the common areas when needed. C) They share common areas such as a pool, tennis court, and club house. D) They combine funds for maintenance. Answer: B Diff: 1 Page Ref: 256 Question Status: Existing/Old 4) Which of the following should not be considered when selecting a condominium? A) Availability of companies that perform maintenance and repair services in the area B) Taxes C) Resale value D) Association dues Answer: A Diff: 1 Page Ref: 256 Question Status: Existing/Old 5) An advantage of using online realtor services is that A) you have easier access to qualified realtors. B) the commissions and fees are often less than those charged by traditional full-service realtors. C) your chances of selling a house are about 50% greater. D) you will get a higher price for houses sold or pay lower prices for houses bought. Answer: B Diff: 2 Page Ref: 256 Question Status: Existing/Old Essay 1) Is purchasing a home an expense, an investment, or both? Answer: It is an expense since the interest expense and taxes are tax deductible. A home builds equity from which a loan can also be made through appreciation. Therefore, the purchase of a home is an expense and an investment. Page Ref: 256 Question Status: Existing/Old 10.2 How Much Can You Afford? True or False 1) Most individuals pay for a home with a down payment of 5% or less and then obtain a mortgage to finance the rest. Answer: FALSE Diff: 2 Page Ref: 257 Question Status: Existing/Old 2) In determining the amount of down payment and monthly mortgage payments you can afford, you should maintain some extra funds for liquidity purposes to cover unanticipated bills. Answer: TRUE Diff: 1 Page Ref: 257 Question Status: Existing/Old 3) Your monthly payments for a house are likely to be as high as rent when you factor in mortgage payments, property taxes, homeowner's insurance, and home repairs. Answer: TRUE Diff: 2 Page Ref: 257 Question Status: Existing/Old 4) If a person chooses to purchase a more expensive home, he or she may have to cut expenses in other areas such as entertainment. Answer: TRUE Diff: 1 Page Ref: 257 Question Status: Existing/Old 5) When choosing a home, a convenient location can save you considerable travel time and expenses. Answer: TRUE Diff: 1 Page Ref: 258 Question Status: Existing/Old 6) Since most of the problems have already been fixed, older homes usually have lower maintenance expense than newer homes. Answer: FALSE Diff: 1 Page Ref: 258 Question Status: Existing/Old 7) The selection of a home's school system is only applicable if you have or are likely to have school-aged children. Answer: FALSE Diff: 2 Page Ref: 258 Question Status: Existing/Old 8) The specific location of your home can influence the amount of property taxes and insurance you will pay. Answer: TRUE Diff: 1 Page Ref: 258 Question Status: Existing/Old 9) Homeowner's Association monthly dues generally include water, sewer, garbage, and maintenance or other amenities such as a pool, clubhouse, and a tennis court. Answer: TRUE Diff: 1 Page Ref: 259 Question Status: Existing/Old 10) Most realtors agree that location more than anything influences a home's future resale value. Answer: TRUE Diff: 2 Page Ref: 259 Question Status: Existing/Old 11) It is a good idea not to disclose defects of the home you are trying to sell, since these will adversely affect your selling price or your ability to quickly sell your home. Answer: FALSE Diff: 1 Page Ref: 260 Question Status: Existing/Old Multiple Choice 1) When selling a home, which of the following costs will you incur? A) Loan origination fee B) Realtor's commission C) Title search and insurance D) Points Answer: B Diff: 2 Page Ref: 259 Question Status: Revised 2) When purchasing a home, which of the following costs will you not incur? A) Origination fee B) Realtor's commission C) Application fee D) Appraisal fee Answer: B Diff: 1 Page Ref: 259 Question Status: Revised 3) Of the following criteria for selecting a home, which would usually diminish the most in importance as the age of the buyers exceed 50? A) Price B) Convenient location C) School system D) Taxes Answer: C Diff: 2 Page Ref: 258 Question Status: Existing/Old 4) Which of the following costs associated with home ownership is hardest to budget? A) Insurance B) Taxes C) Repairs D) Mortgage payments Answer: C Diff: 2 Page Ref: 258 Question Status: Existing/Old 5) To determine how much home you can afford to purchase, you should not consider A) finding a good Internet page that has a mortgage calculator. B) looking at your budget, balance sheet, and income statement. C) possible future raises you will receive. D) consulting a loan officer. Answer: C Diff: 1 Page Ref: 257 Question Status: Existing/Old 6) Most home purchases are made initially A) with payments by personal check. B) with a 10 to 20 percent down payment and a mortgage. C) with a 5 percent down payment. D) with no down payment. Answer: B Diff: 2 Page Ref: 257 Question Status: Existing/Old 7) When obtaining a mortgage you should A) apply for the maximum amount you can afford, since the house will be an appreciating asset. B) let a realtor or some other expert choose the type and length of mortgage you will need. C) maintain some funds for liquidity purposes to cover unanticipated bills. D) be very conservative and apply only for a mortgage amount you can pay off within 10 years. Answer: C Diff: 2 Page Ref: 257 Question Status: Existing/Old 8) Owning a home entails all of the following expenses except A) renter's insurance. B) property taxes. C) maintenance expenses. D) lost interest on down payment and closing costs. Answer: A Diff: 1 Page Ref: 257 Question Status: Existing/Old 9) Which of the following is most important when selecting a home? A) Taxes B) Insurance C) Resale value D) Location Answer: D Diff: 1 Page Ref: 258 Question Status: Existing/Old 10) The type of home which probably would require the lowest maintenance is a (an) A) large home. B) older home. C) home built by a well-known construction company. D) home with a large yard. Answer: C Diff: 1 Page Ref: 258 Question Status: Existing/Old 11) Annual property taxes for homes are usually A) less than 0.5% of the home value. B) 0.5% to 1% of the home value. C) 1% to 2% of the home value. D) greater than 2% of the home value. Answer: C Diff: 2 Page Ref: 258 Question Status: Existing/Old 12) Homeowner's association fees are not A) often used for security guards. B) optional to homeowners in an area. C) used to maintain common grounds. D) often quite high and should be considered when buying a home. Answer: B Diff: 1 Page Ref: 259 Question Status: Existing/Old 13) Disclosing defects when selling a home is not A) the legal thing to do in most states. B) the moral thing to do. C) optional if the defect is only a minor one. D) the smart thing to do to avoid lawsuits. Answer: C Diff: 1 Page Ref: 260 Question Status: Existing/Old Short Answer 1) For a conventional mortgage you will typically need a(n) ________ of from 10% to 20% of the selling price of the home you are purchasing. Answer: down payment Page Ref: 257 Question Status: Existing/Old 10.3 Valuation of a Home True or False 1) A good way to estimate the market value of a home is to multiply the number of square feet by the average price per square foot of similar homes in the area. Answer: TRUE Diff: 1 Page Ref: 260 Question Status: Existing/Old 2) Homes near areas that have just been zoned for industrial use become more valuable. Answer: FALSE Diff: 2 Page Ref: 261 Question Status: Existing/Old 3) Proximity to schools can increase home values, while increased distance from schools often lowers home values. Answer: TRUE Diff: 1 Page Ref: 261 Question Status: Existing/Old 4) To simplify and speed up the home buying process, you should first give a verbal offer to see if the seller is willing to take the price you are willing to offer. Answer: FALSE Diff: 1 Page Ref: 262 Question Status: Existing/Old 5) A sales contract stipulates not only the price offered for a home, but also the repairs to be completed and the move-in date requested by the buyer. Answer: TRUE Diff: 1 Page Ref: 262 Question Status: Existing/Old Multiple Choice 1) A market analysis is not A) an estimate of the price of a home. B) a guarantee of the price you will receive when selling a home. C) based on similar homes in the area. D) determined by multiplying the number of square feet in the home by the average price per square foot of comparable homes. Answer: B Diff: 1 Page Ref: 260 Question Status: Existing/Old 2) Your home value is likely to be higher with all of the following except A) being close to a school. B) having a convenient location. C) being in an area that has just been zoned for industrial use. D) being in an area where a large retail business has just moved in. Answer: C Diff: 2 Page Ref: 261 Question Status: Existing/Old 3) In negotiating a price for the purchase of a home, you should do all except which of the following? A) Offer the highest price you can afford first to get it settled quickly B) Write up a contract C) Realize this is a process D) Understand that realtors are brokers between the buyer and seller Answer: A Diff: 2 Page Ref: 262 Question Status: Existing/Old 4) In negotiating for the purchase of a home, which of the following may not be included? A) Possession date B) Repairs that are to be made C) A pile of wood for the fireplace D) Cost of street repairs Answer: D Diff: 1 Page Ref: 262 Question Status: Existing/Old Short Answer 1) Before you buy a house, you should conduct a(n) ________ to determine if the price is comparable to similar houses in the area. Answer: market analysis Page Ref: 260 Question Status: Existing/Old Essay 1) You are considering the purchase of a 2,300 square foot house that is being offered for $238,500. After researching recent home sales in the area, you find three that are comparable. The first was a 2,500 square foot home that sold for $225,000, the second was a 2,200 square foot home that sold for $200,000 and the third was a 2,000 square foot home that sold for $178,000. Based on your analysis, what would be a reasonable offer on the house? (Round all computations to the nearest dollar.) (a) $210,000 (b) $207,000 (c) $205,000 (d) $201,000 Answer: (b)  Page Ref: 261 Question Status: Existing/Old 10.4 Transaction Costs or Purchasing a Home True or False 1) For a conventional mortgage, a lender typically requires a down payment of 10 to 20 percent of the home's selling price. Answer: TRUE Diff: 1 Page Ref: 262 Question Status: Existing/Old 2) Government-backed mortgages may require lower down payments than conventional mortgages, but usually charge higher interest rates. Answer: FALSE Diff: 2 Page Ref: 263 Question Status: Existing/Old 3) In addition to closing costs, realtor fees of about 10 percent are charged when you buy a home. Answer: FALSE Diff: 1 Page Ref: 263-264 Question Status: Existing/Old 4) When buying a home, the seller pays the realtor commission, so you pay no fee for realtor services except in the form of a higher purchase price. Answer: TRUE Diff: 1 Page Ref: 263-264 Question Status: Existing/Old 5) A point is a flat fee of $500 for each multiple of $100,000 that you finance on a new home. Answer: FALSE Diff: 1 Page Ref: 263 Question Status: Existing/Old Multiple Choice 1) A ________ is responsible for determining the value of the home as part of the loan process. A) banker B) loan officer C) real estate appraiser D) real estate agent Answer: C Diff: 2 Page Ref: 264 Question Status: Existing/Old 2) All the information, except ________, can be found on a variety of Web sites about mortgages. A) projected rate increases B) loan rates, length of loan, and principal C) loan applications D) background on different mortgage companies Answer: A Diff: 1 Page Ref: 263a Question Status: Existing/Old 3) Which of the following is not true? A) A conventional mortgage requires a 10-20 percent down payment B) With government-backed loans, the government insures the loan in the event of default C) Veterans Administration mortgages are extended to most first-time homebuyers D) Government-backed mortgages may require lower down payments than conventional mortgages Answer: C Diff: 1 Page Ref: 262-263 Question Status: Existing/Old 4) Which of the following is true? A) Loan origination fees are around 10-20 percent B) Loan application fees range from $100 to $500 C) Points are $100-$200 per $1,000 of the home's value D) Appraisal costs range between 15-20 percent of the value of the house Answer: B Diff: 2 Page Ref: 264 Question Status: Existing/Old 5) Which of the following would not be included in closing costs? A) Points B) Earnest money C) Title charges D) Recording fees Answer: B Diff: 1 Page Ref: 263-264 Question Status: Existing/Old 6) On the purchase of a home, one "point" is equal to A) $100. B) $1,000. C) 1 percent of the amount being financed. D) 1 percent of the purchase price. Answer: C Diff: 2 Page Ref: 263 Question Status: Existing/Old 7) Points paid at closing are for payment of A) finance charges or interest. B) loan processing. C) property taxes. D) inspections. Answer: A Diff: 1 Page Ref: 263 Question Status: Existing/Old 8) If you obtain an FHA or VA loan you will make additional payments each month to cover your home insurance and property taxes that will be placed in an account called a(n) A) insurance account. B) appraisal account. C) escrow account D) default prevention account Answer: C Diff: 1 Page Ref: 263b Question Status: New 9) One point on a $80,000 loan for the purchase of a $110,000 home would equal A) $100. B) $800. C) $1,000. D) $1,100. Answer: B Diff: 1 Page Ref: 264 Question Status: Existing/Old 10) Of the following fees involved in the purchase of a house, which is usually not borne by the purchaser? A) Title search and insurance B) Appraisal fee C) Realtor's commission D) Loan application fee Answer: C Diff: 2 Page Ref: 259 Question Status: Existing/Old 11) If a homebuyer shops around, she/he can probably avoid which of the following fees? A) Title search B) Title insurance C) Appraisal fee D) Loan origination fee Answer: D Diff: 2 Page Ref: 264 Question Status: Existing/Old Matching Match the following: A) fees charged by a lender as a percentage of the purchase price B) title search and insurance, appraisal fee, and other costs 1) points Question Status: Existing/Old 2) closing costs Question Status: Existing/Old Answers: 1) A 2) B Essay 1) List four key components of closing costs. Answer: Any combination of the following: title search, title insurance, appraisal, points, and origination fees. Page Ref: 263-264 Question Status: Existing/Old 2) Chuck obtained a mortgage of $90,000 to finance a $120,000 home. The title search will be $400, appraisal fee $500, application fee $900, and he will pay one percent origination fee. How much are his closing costs? (a) $900 (b) $1,800 (c) $2,700 (d) $3,000 Answer: (c)  Page Ref: 263-264 Question Status: Existing/Old 10.5 Characteristics of a Fixed-Rate Mortgage True or False 1) There are a number of different mortgage types to choose from in financing a home or condominium, such as a fixed or variable loans for 15 or 30 years. Answer: TRUE Diff: 1 Page Ref: 265 Question Status: Existing/Old 2) The schedule that shows your monthly home payment and the amounts applied to principle and interest each month is called a depreciation table. Answer: FALSE Diff: 2 Page Ref: 265 Question Status: Existing/Old 3) For a long-term home loan, such as 30 years, the amount of principle you pay on your loan during the first few years is quite small. Answer: TRUE Diff: 1 Page Ref: 266 Question Status: Existing/Old 4) In comparing a 30- and 50-year mortgage, over the life of the loan you will have smaller payments but pay more interest with the 30-year mortgage. Answer: FALSE Diff: 1 Page Ref: 269a Question Status: Revised Multiple Choice 1) On a fixed rate mortgage, the monthly A) payment remains constant and the interest rate fluctuates. B) payment remains constant and interest rate stays the same. C) rate varies and the interest rate varies. D) payment remains constant until the balloon payment. Answer: B Diff: 1 Page Ref: 265 Question Status: Existing/Old 2) Fixed rate mortgages usually have A) the same interest rate. B) an adjustable rate. C) a balloon payment. D) different monthly payments depending upon the interest rate. Answer: A Diff: 1 Page Ref: 265 Question Status: Existing/Old 3) When homeowners expect that interest rates will rise, they prefer A) fixed rate loans. B) adjustable rate mortgages. C) balloon payment mortgages. D) decreasing term mortgages. Answer: A Diff: 1 Page Ref: 265 Question Status: Existing/Old 4) A 15-year mortgage compared to a 30-year mortgage has all of the following except A) a lower appraisal fee. B) less interest over the life of the loan. C) higher payments. D) a faster build up of equity. Answer: A Diff: 1 Page Ref: 268 Question Status: Existing/Old 5) The monthly payment for a 15-year loan would be about ________ times as much as a comparable 30-year loan. A) 0.5 B) 1.25 C) 2.0 D) the same Answer: B Diff: 3 Page Ref: 269 Question Status: Existing/Old 6) If you wish to keep your monthly payments as low and predictable as you can, you should use a A) 15-year ARM. B) 30-year ARM. C) 15-year fixed rate. D) 30-year fixed rate. Answer: D Diff: 2 Page Ref: 269 Question Status: Existing/Old 7) Over the life of a mortgage, the payment to principal ________ and the portion to interest expense ________. A) increases; increases B) decreases; increases C) increases; decreases D) decreases; decreases Answer: C Diff: 2 Page Ref: 267 Question Status: Existing/Old 8) An amortization schedule shows all but the A) principal portion of the payment. B) interest portion of the payment. C) increase in market value. D) beginning and ending balances. Answer: C Diff: 1 Page Ref: 265 Question Status: Existing/Old 9) The schedule that discloses the monthly payment that you will make, based on a specific mortgage amount, a fixed interest rate level, and maturity is called a(n) A) depreciation schedule. B) payment table. C) amortization table. D) obligation schedule. Answer: C Diff: 1 Page Ref: 265 Question Status: Existing/Old 10) Making extra mortgage payments does which of the following? A) Increases the total amount of interest paid B) Reduces the length of the loan C) Decreases net worth D) Increases the points charged Answer: B Diff: 1 Page Ref: 269 Question Status: Existing/Old 11) The size of the monthly payment on a mortgage is not dependent on the A) principal borrowed. B) interest rate. C) maturity. D) broker's commission. Answer: D Diff: 1 Page Ref: 268-269 Question Status: Existing/Old Short Answer 1) If the interest rate on your home mortgage will not change over the life of the loan you have a(n) ________. Answer: fixed-rate mortgage Page Ref: 265 Question Status: Existing/Old Matching Match the following: A) fixed interest rate until maturity B) schedule of payments, interest expense, and balance 1) fixed-rate mortgage Question Status: Existing/Old 2) amortization schedule Question Status: Existing/Old Answers: 1) A 2) B Essay 1) For a $72,000 mortgage at 9 percent, the monthly payments would be $730 for a 15-year mortgage and $579 for a 30-year mortgage. What would be the total savings in interest by using a 15-year mortgage? (a) $27,180 (b) $54,360 (c) $77,040 (d) $131,400 Answer: (c)  Diff: 2 Page Ref: 269 Question Status: Existing/Old 10.6 Characteristics of an Adjustable-Rate Mortgage True or False 1) If you think interest rates will rise in the near future, you should seek an adjustable rate mortgage (ARM). Answer: FALSE Diff: 2 Page Ref: 271 Question Status: Existing/Old 2) Since there is no limit on how much and how fast adjustable rate mortgages (ARMs) can increase, most homeowners are afraid to take out this kind of loan. Answer: FALSE Diff: 1 Page Ref: 271 Question Status: Existing/Old Multiple Choice 1) Adjustable-rate mortgages are riskier than fixed-rate mortgages. However, they may be useful when the interest rate is expected to ________ in the future. A) increase B) decrease C) remain stable D) None of the above. Answer: B Diff: 1 Page Ref: 271a Question Status: Existing/Old 2) The term ARM stands for A) alliance rated mortgage. B) adjustable-rate mortgage. C) American Realty Mortgage. D) American rated mortgage. Answer: B Diff: 1 Page Ref: 271 Question Status: Existing/Old 3) The initial rate on an ARM will typically be A) relatively low to benefit the homeowner. B) relatively high to allow the bank to recoup costs. C) about the same as a fixed rate loan on the same maturity. D) set by state law. Answer: A Diff: 1 Page Ref: 271 Question Status: Existing/Old 4) The interest rate on an ARM may be adjusted A) once a year. B) every three years. C) every five years. D) Any of the above depending on the terms of the loan. Answer: D Diff: 2 Page Ref: 272 Question Status: Existing/Old 5) Which of the following is not true concerning adjustable rate mortgages (ARMs)? A) There is usually a limit on how much a rate may increase per year. B) There is usually no limit on how much a rate may increase per year. C) There is usually a limit on how much a rate may increase over the life of the loan. D) The maximum increase over the life of the loan is usually 5%. Answer: B Diff: 2 Page Ref: 271-272 Question Status: Existing/Old 10.7 Caps on Adjustable-Rate Mortgages True or False 1) Caps on adjustable-rate mortgages refer only to the maximum fluxuation in interest rates. Answer: FALSE Diff: 1 Page Ref: 272 Question Status: New 10.8 Decision to Own Versus Rent a Home True or False 1) Renting is almost always a better financial option since owning a home has so many costs such as repair, insurance, and taxes. Answer: FALSE Diff: 1 Page Ref: 273 Question Status: Existing/Old Multiple Choice 1) Which of the following would you not factor into a decision to buy or rent a house? A) The return you can receive on investing your money B) Current mortgage rates on 30-year fixed rate mortgages C) The value you place on your pride of ownership D) All of the above should be considered in the decision Answer: D Diff: 1 Page Ref: 273-274 Question Status: Existing/Old 2) The total cost of owning a home versus renting is calculated by A) adding up the repair and maintenance expenses associated with the home. B) subtracting the tax savings from the mortgage interest expense and taxes. C) subtracting the expected value of the equity of the home at the end of the period. D) All of the above. Answer: D Diff: 2 Page Ref: 274 Question Status: Existing/Old Short Answer 1) In the decision to rent or purchase a home the ________ of any security deposit that you would put down on a rental home must be part of the decision. Answer: opportunity cost Page Ref: 274 Question Status: Existing/Old Essay 1) If the rent on an apartment is $600 per month, which is equal to a mortgage payment on a house, how much additional tax savings will you realize if $200 of the monthly mortgage payment is interest and your tax bracket is 25 percent? (a) $50 (b) $600 (c) $2,500 (d) $7,200 Answer: (b) $200 monthly interest 12 months 0.25 tax rate = $600 Diff: 2 Page Ref: 274 Question Status: Revised 10.9 Special Types of Mortgages True or False 1) A balloon payment mortgage starts with higher payments, which decrease as the mortgage is paid off. Answer: FALSE Diff: 1 Page Ref: 276 Question Status: Existing/Old Multiple Choice 1) If you anticipate your income rising slowly but steadily over the years, you may want to consider a A) 30-year fixed rate mortgage. B) 15-year ARM. C) graduated payment mortgage. D) balloon payment mortgage. Answer: C Diff: 2 Page Ref: 276 Question Status: Existing/Old 2) The type of mortgage that is usually the shortest term and will require further action at the end of it is a(n) A) graduated payment mortgage. B) balloon payment mortgage. C) adjustable rate mortgage. D) fixed rate mortgage. Answer: B Diff: 2 Page Ref: 276 Question Status: Existing/Old 10.10 Mortgage Refinancing True or False 1) Refinancing a home requires you to pay many of the same costs as the original loan and should therefore be thoroughly investigated. Answer: TRUE Diff: 1 Page Ref: 277 Question Status: Existing/Old Multiple Choice 1) Refinancing a home is usually worthwhile when A) interest rates have risen. B) you can increase your monthly payment considerably. C) you will live in your home long enough to recoup the closing costs. D) you plan on moving in less than a year. Answer: C Diff: 1 Page Ref: 277 Question Status: Existing/Old 2) If a current mortgage payment of $792 per month can be reduced to $578 per month by refinancing, how many months would you need to remain in the house to recoup refinancing charges of $3,784? (Round up to the nearest month.) (a) Five months (b) Seven months (c) Eighteen months (d) The maturity of the loan A) $3,784/($792 - $578) = 17.68 months or 18 months (rounded) Answer: A Page Ref: 278 Question Status: Existing/Old Short Answer 1) If you are not planning to stay in your current house for very long, ________ would probably not be advantageous. Answer: mortgage refinancing Page Ref: 277 Question Status: Existing/Old 10.11 How a Mortgage Fits within Your Financial Plan Essay 1) Describe how a mortgage and other related expenses affect a personal budget, income statement, and balance sheet. Answer: Mortgage expense and taxes reduce your wealth while principal payments increase equity. Ordinary repairs reduce wealth, while a home addition contributes to equity. The home is an asset and the mortgage is a liability. It takes more budgeting for unexpected repairs for a home than renting. Page Ref: 279 Question Status: Existing/Old 2) Describe some of the advantages and disadvantages of selling your home yourself instead of hiring a realtor. Answer: Advantages: save 6 percent of your home purchase price, which would be $6,000 on a $100,000 home; you schedule the appointments. Disadvantages: no realtor expertise; not as much marketing exposure; no contract and advertising experience; requires your time. Page Ref: 279 Question Status: Existing/Old      PAGE \* MERGEFORMAT 23 Copyright 2011 Pearson Education, Inc. 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