// Mortgage School Test
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function jumpBox(list) {
   location.href = list.options[list.selectedIndex].value
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function init() 
              {

              questions = new Array()
              questions[1] = "What can a Credit Repair agency do if my credit is bad?"
              questions[2] = "What does the term \"FICO\" refer to?"
              questions[3] = "What does the term \"Beacon\" refer to?"
              questions[4] = "Which of the following can bring your credit score down?"
              questions[5] = "Who can pull my credit?"
              questions[6] = "My credit score affects which one of the following?"
              questions[7] = "My credit score is not affected by which of the following?"
              questions[8] = "What is FCRA?"
              questions[9] = "Which of the following will NOT affect your rate?"
              questions[10] = "What is PMI?"
              questions[11] = "What makes Low Down Payment loans possible?"
              questions[12] = "Fannie Mae is another term for?"
              questions[13] = "If you had $5,000 cash, $1,000 security deposit, $75,000 home, $2,000 car loan balance, $1,500 credit card debt, and a $64,000 mortgage balance, what would your net worth be?"
              questions[14] = "Net worth minus assets is equal to what?"
              questions[15] = "Which of the following budget items is an example of a \"fixed expense?\""
              questions[16] = "What is used to measure the rate of inflation?"
              questions[17] = "What is NOT required for a Low Down Payment Loan?"
              questions[18] = "How much can I afford?"
              questions[19] = "The \"APR\" stands for what?"
              questions[20] = "How much can my payment be if I have a non-conventional loan?"
              questions[21] = "What is an ARM?" 
              questions[22] = "Should I consolidate debt into my house payment?"
              questions[23] = "What is not typically required at the time of loan application?"
              questions[24] = "Which is NOT a mistake during the application process?"
              questions[25] = "Why do Brokers get lower rates?"
              questions[26] = "What is not a type of mortgage?"
              questions[27] = "What are points?"
              questions[28] = "What is NOT included in closing costs?"
              questions[29] = "Are points and closing costs tax deductable in the same year?"
              questions[30] = "What is NOT a reason to refinance?"
              questions[31] = "If your monthly gross income is $4500, your mortgage payment is $1000 and your other monthly debt payments total $500, what would your Debt-to-Income Ratio be?"
              questions[32] = "What are the \"Five C's of Credit\" that most lenders build their credit policies around?"
              questions[33] = "A reporting agency that assembles credit and other information about consumers."
              questions[34] = "A term used to refer to an asset that is pledged to ensure loan payments."
              questions[35] = "Which of the following is not a consumer credit law."
              questions[36] = "Which is true about Bankruptcies?"
              questions[37] = "The term used to describe the premium you pay to obtain a lower mortgage rate."
              questions[38] = "Which of the following forces a borrower to find new financing 3-15 years after taking out the original mortgage?"
              questions[39] = "The name of the account where prepaid property taxes and homeowner's insurance are kept."
              questions[40] = "The number of rental properties you're allowed to have."
              questions[41] = "The loss of value of an asset due to time and use."
              questions[42] = "A sales technique in which a new-car buyer is quoted a very low price which is then increased through the cost of add-ons."
              questions[43] = "What does RESPA NOT do?"
              questions[44] = "What is HUD?"
              questions[45] = "What is FHA?"
              questions[46] = "What is RESPA?"
              questions[47] = "How can I avoid PMI?"
              questions[48] = "What is a GEM?"
              questions[49] = "What is the major advantage of a negative amortization mortgage?"
              questions[50] = "What is LTV?"

              answerA = new Array()
              answerA[1] = "They can fix your credit by removing all bad reports."
              answerA[2] = "Fair, Isaac and Company credit reporting agency."
              answerA[3] = "A balloon payment."
              answerA[4] = "Inflation."
              answerA[5] = "Anyone who can get my Social Security Number."
              answerA[6] = "My employment."
              answerA[7] = "My income."
              answerA[8] = "For Consumers Rate Adjustment."
              answerA[9] = "Whether the property is a rental property or my home."
              answerA[10] = "Private Mortgage Insurance."
              answerA[11] = "Private Mortgage Insurance."
              answerA[12] = "Federal No Mortgage Association"
              answerA[13] = "$13,500."
              answerA[14] = "Solvency."
              answerA[15] = "Groceries."
              answerA[16] = "ROI."
              answerA[17] = "Rich Parents or other relatives."
              answerA[18] = "Whatever you want.  It is your payment."
              answerA[19] = "Another Percentage Rate"
              answerA[20] = "Whatever you currently have in your saving account."
              answerA[21] = "What falls off after signing all the mortgage documents."
              answerA[22] = "Always."
              answerA[23] = "2 Year Tax Returns and W-2s."
              answerA[24] = "Signing without reading - it speeds up the process."
              answerA[25] = "The ability to shop around for the best rate."
              answerA[26] = "30 Year Fixed."
              answerA[27] = "Something you should never pay."
              answerA[28] = "Attorneys fees."
              answerA[29] = "No."
              answerA[30] = "Cash needs."
              answerA[31] = "33%."
              answerA[32] = "Character, Crime, Compassion, Capital, Credit."
              answerA[33] = "Credit card company."
              answerA[34] = "Capital."
              answerA[35] = "Equal Credit Opportunity Act."
              answerA[36] = "You loose your house."
              answerA[37] = "APR."
              answerA[38] = "ARM."
              answerA[39] = "Escrow."
              answerA[40] = "3."
              answerA[41] = "Amortization."
              answerA[42] = "Highballing."
              answerA[43] = "Protects the borrower."
              answerA[44] = "Homeowner Under Despair."
              answerA[45] = "Federal Housing Administration."
              answerA[46] = "Real Estate Saving Primary Accounting"
              answerA[47] = "Vitamins."
              answerA[48] = "Your savings."
              answerA[49] = "Low rate."
              answerA[50] = "Loan to Value."


              answerB = new Array()
              answerB[1] = "Credit Repair agencies can fix errors you cannot fix yourself."
              answerB[2] = "Forecasted Interest Coming Out."
              answerB[3] = "Beacon is the term for the Equifax Credit Report Score."
              answerB[4] = "A late video rental."
              answerB[5] = "Only people I give permission to pull my credit."
              answerB[6] = "My current mortgage rate."
              answerB[7] = "Current credit balances compared to credit limits."
              answerB[8] = "Fair Consumer Reporting Act."
              answerB[9] = "My credit score."
              answerB[10] = "Pre-Mortgage Interest."
              answerB[11] = "Government Guarantees."
              answerB[12] = "For No Mortgage Accounts."
              answerB[13] = "$17,500."
              answerB[14] = "Debt-to-equity ratio."
              answerB[15] = "Rent."
              answerB[16] = "GNP."
              answerB[17] = "OK credit."
              answerB[18] = "2.5 times your income."
              answerB[19] = "Annual Percentage Rate"
              answerB[20] = "25% of your pay."
              answerB[21] = "A card used for charging purchases."
              answerB[22] = "If it saves you money in the short and long term."
              answerB[23] = "30 days of pay stubs."
              answerB[24] = "Signing where the loan consultant tells you to."
              answerB[25] = "Banks are slow."
              answerB[26] = "15 Year fixed."
              answerB[27] = "Primary Only Interest Non-Timed"
              answerB[28] = "Title Search and Insurance."
              answerB[29] = "On Purchases - yes."
              answerB[30] = "Lower payments."
              answerB[31] = "50%."
              answerB[32] = "Checking, CD, Credit, Compounding, Collateral."
              answerB[33] = "Lending institution."
              answerB[34] = "Collateral."
              answerB[35] = "Fair Credit Billing Act."
              answerB[36] = "You cannot ever buy a house again."
              answerB[37] = "Amortization."
              answerB[38] = "GPM."
              answerB[39] = "Trust."
              answerB[40] = "Unlimited."
              answerB[41] = "Appreciation."
              answerB[42] = "Lowballing."
              answerB[43] = "Makes the lenders declare all fees."
              answerB[44] = "Home Uninsurable Deed."
              answerB[45] = "Fair Homeowners Act."
              answerB[46] = "Real Estate Settlement Procedures Act."
              answerB[47] = "10% down."
              answerB[48] = "A borrower with great credit."
              answerB[49] = "Flexibility in payments."
              answerB[50] = "Legal Trust Violation."

              answerC = new Array()
              answerC[1] = "Credit Repair agencies can fix anything on your report."
              answerC[2] = "Fair Internal Company Interest."
              answerC[3] = "A light to guide me in times of credit pain."
              answerC[4] = "Being late on payments for your car loan."
              answerC[5] = "Anyone."
              answerC[6] = "My rate on loans I am applying for."
              answerC[7] = "Late payments on my home loan."
              answerC[8] = "Fair Credit Reporting Act."
              answerC[9] = "The amount of my down payment."
              answerC[10] = "Primary Mortage Interest."
              answerC[11] = "PMI and/or Government Guarantees, depending on the loan type."
              answerC[12] = "Federal National Mortgage Association."
              answerC[13] = "$9,500."
              answerC[14] = "Balance."
              answerC[15] = "Medications."
              answerC[16] = "CPI."
              answerC[17] = "2 months reserves."
              answerC[18] = "Always 3 times your pay."
              answerC[19] = "Average Percentage Rate"
              answerC[20] = "Up to 55% of your income."
              answerC[21] = "Above Rate Mortgage."
              answerC[22] = "Never."
              answerC[23] = "2 months bank statements."
              answerC[24] = "Providing information late or not all.  They will work it out."
              answerC[25] = "Depends on the banks deposits."
              answerC[26] = "50 Year fixed."
              answerC[27] = "On your credit score buy paying early."
              answerC[28] = "Realtors fees."
              answerC[29] = "Only on Refinances."
              answerC[30] = "A 2% drop in interest rates."
              answerC[31] = "25%."
              answerC[32] = "Character, Capacity, Capital, Collateral, Conditions."
              answerC[33] = "Federal reserve board."
              answerC[34] = "Equity."
              answerC[35] = "Fairness in Borrowing Act."
              answerC[36] = "It does not affect your credit much after 3 years."
              answerC[37] = "Point."
              answerC[38] = "GEM."
              answerC[39] = "Earnest."
              answerC[40] = "2."
              answerC[41] = "Depletion."
              answerC[42] = "Appreciation."
              answerC[43] = "Prevents kickbacks or hidden fees."
              answerC[44] = "Dept of Housing and Urban Development."
              answerC[45] = "Fair Home Accounting."
              answerC[46] = "Group life Insurance."
              answerC[47] = "More than 20% down."
              answerC[48] = "A valuable stone."
              answerC[49] = "Higher Mortgage Balance."
              answerC[50] = "Lower Tax Value."


              answerD = new Array()
              answerD[1] = "Credit repair agencies can only fix mistakes on your report."
              answerD[2] = "For I Consumer Organization."
              answerD[3] = "Be Equitable And Conscious Of Numbers."
              answerD[4] = "Being unemployed."
              answerD[5] = "Telemarketeers."
              answerD[6] = "My current balances."
              answerD[7] = "Late payments on credit cards."
              answerD[8] = "For Cash Right Away."
              answerD[9] = "My current home."
              answerD[10] = "Poor Mortgage Income."
              answerD[11] = "Your banker."
              answerD[12] = "Fair National Mortgage Association."
              answerD[13] = "$15,500."
              answerD[14] = "Liabilities."
              answerD[15] = "Entertainment."
              answerD[16] = "APR."
              answerD[17] = "Ability to pay the mortgage."
              answerD[18] = "Depends on whether the loan is conventional or not."
              answerD[19] = "Annual Personal Rate"
              answerD[20] = "Up to 70% of your income."
              answerD[21] = "Adjustable Rate Mortgage."
              answerD[22] = "If the mortgage company says I should."
              answerD[23] = "Your down payment check."
              answerD[24] = "Using someone who doesn't provide choices."
              answerD[25] = "Banks have lower rates."
              answerD[26] = "30 Year term/15 year balloon"
              answerD[27] = "Percentage points of the loan amount to buy down the rate."
              answerD[28] = "Loan Origination fees."
              answerD[29] = "Always."
              answerD[30] = "Lower total interest paid over the life of the loan."
              answerD[31] = "66%."
              answerD[32] = "Character, Crime, Compounding, Collateral, Charm."
              answerD[33] = "Credit bureau."
              answerD[34] = "Transfer payment."
              answerD[35] = "Fair Credit Reporting Act."
              answerD[36] = "You should never declare Bankruptcy."
              answerD[37] = "ARM."
              answerD[38] = "Balloon."
              answerD[39] = "NOW."
              answerD[40] = "10 per person."
              answerD[41] = "Depreciation."
              answerD[42] = "Bait & switch."
              answerD[43] = "Makes the bank a legal organization."
              answerD[44] = "Home Under Demolition."
              answerD[45] = "Federal Homeowners Association."
              answerD[46] = "What you do after the stress of the mortgage process."
              answerD[47] = "More than 30% down."
              answerD[48] = "Graduated Equity Mortgage or negative amortization."
              answerD[49] = "Negative interest payments."
              answerD[50] = "Low Timing Value."


              rightAns = new Array
              rightAns[1] = "d"
              rightAns[2] = "a"
              rightAns[3] = "b"
              rightAns[4] = "c"
              rightAns[5] = "b"
              rightAns[6] = "c"
              rightAns[7] = "a"
              rightAns[8] = "c"
              rightAns[9] = "d"
              rightAns[10] = "a"
              rightAns[11] = "c"
              rightAns[12] = "c"
              rightAns[13] = "a"
              rightAns[14] = "d"
              rightAns[15] = "b"
              rightAns[16] = "c"
              rightAns[17] = "a"
              rightAns[18] = "d"
              rightAns[19] = "b"
              rightAns[20] = "c"
              rightAns[21] = "d"
              rightAns[22] = "b"
              rightAns[23] = "d"
              rightAns[24] = "b"
              rightAns[25] = "a"
              rightAns[26] = "c"
              rightAns[27] = "d"
              rightAns[28] = "c"
              rightAns[29] = "b"
              rightAns[30] = "c"
              rightAns[31] = "a"
              rightAns[32] = "c"
              rightAns[33] = "d"
              rightAns[34] = "b"
              rightAns[35] = "c"
              rightAns[36] = "c"
              rightAns[37] = "c"
              rightAns[38] = "d"
              rightAns[39] = "a"
              rightAns[40] = "b"
              rightAns[41] = "d"
              rightAns[42] = "b"
              rightAns[43] = "d"
              rightAns[44] = "c"
              rightAns[45] = "a"
              rightAns[46] = "b"
              rightAns[47] = "c"
              rightAns[48] = "d"
              rightAns[49] = "b"
              rightAns[50] = "a"


              } 

function nextQuestion(form) {  

//set the total number of questions equal to quizend

if(form.question.value != "" && form.results.value == "") {
   alert("Please click on \"Check Answer\" before going on to the next questions.");
   } else {

//START IF CURRENT QUESTION CHECKED OR KILL

var quizEnd = eval(40 * 1);

    if(form.questNo.value == quizEnd) {

       form.question.value = "";

       form.choiceA.value = "";

       form.choiceB.value = "";

       form.choiceC.value = "";

       form.choiceD.value = "";

       form.yourChoice.value = "";

       form.results.value = "End of Quiz.  Your final results are listed below."; } else {

    if(form.questNo.value == "") {form.questNo.value = 1} else {
    
       form.questNo.value = eval(form.questNo.value) + 1;

    }

    form.question.value = questions[form.questNo.value];

    form.choiceA.value = answerA[form.questNo.value];

    form.choiceB.value = answerB[form.questNo.value];

    form.choiceC.value = answerC[form.questNo.value];

    form.choiceD.value = answerD[form.questNo.value];

    form.yourChoice.value = "";

    form.results.value = "";

    if(form.myScore.value == "") {form.myScore.value = 0; } else {
                                                  form.myScore.value = form.myScore.value; }

   }

form.choiceList[0].checked = false;
form.choiceList[1].checked = false;
form.choiceList[2].checked = false;
form.choiceList[3].checked = false;

form.instruct.value = ("Choose a, b, c, or d and click \"Check Answer.\"");
//END KILL IF-STATEMENT
  }

}

   function checkAnswer(form) {
      
      var myScore = 0;
      var curve = 0;

if(form.choiceList[0].checked == 0 && form.choiceList[1].checked == 0 && form.choiceList[2].checked == 0 && form.choiceList[3].checked == 0) {
   alert("No answer has been selected.  Please select either A, B, C or D and then click on \"Check Answer.\"");
   } else {
 
      if(form.results.value != "") {form.results.value = "Sorry, no guessing allowed.  In order to retry this question you will have to start the quiz over."; }

      else if(form.yourChoice.value == rightAns[form.questNo.value]) {
      form.myScore.value = eval(form.myScore.value) + eval(1);
      form.results.value = "Congratulations! You are correct. That brings your cumulative score to " + form.myScore.value + " out of a possible " + form.questNo.value + "."; } else {
      
      form.results.value = "Sorry, the correct answer is \"" + rightAns[form.questNo.value] + "\". This brings your cumulative score to " + form.myScore.value + " out of a possible " + form.questNo.value + "." }

   
   curve = form.myScore.value / form.questNo.value;

   form.percent.value = parseInt(curve * 100,10);
   
   if(curve > .90) {form.grade.value = "A"; } else if(curve > .80) {form.grade.value = "B"; } else if(curve > .70) {form.grade.value = "C"; } else if(curve > .60) {form.grade.value = "D"; } else {form.grade.value = "F"; }

form.instruct.value = ("Click on \"Next Question\" to continue.");

       }

    }



function enterAnswer(form) {

if(form.choiceList[0].checked) {
   form.yourChoice.value = "a";
   } else
if(form.choiceList[1].checked) {
   form.yourChoice.value = "b";
   } else
if(form.choiceList[2].checked) {
   form.yourChoice.value = "c";
   } else {
   form.yourChoice.value = "d";
   }

}

function clearForm(form)

{

    
    form.questNo.value = "";
    form.question.value = "";
    form.choiceA.value = "";
    form.choiceB.value = "";
    form.choiceC.value = "";
    form.choiceD.value = "";
    form.yourChoice.value = "";
    form.results.value = "";
    form.myScore.value = "";
    form.percent.value = "";
    form.grade.value = "";
    

}


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