CREDIT REVIEW

The agency may review, or cause to be reviewed, loan and mortgage applications for suitable credit worthiness. In evaluating credit worthiness the agency may consider: A. the percentage of applicant's income which can reasonably be expected to be spent on housing costs; B. the amount of applicant's outstanding debts; C. the applicant's employment history and likelihood of continued employment; D. the applicant's credit history; E. whether applicant has ever sought bankruptcy relief; and F. on a case-by-case basis, the general educational background and residential stability of the applicant.