You work for a lender that requires a 15% down payment and uses the standard debt-to-income ratio to determine a person's eligibility for a home loan. Of the following, choose the person that you would rate the highest on their eligibility for a home loan. Person A Person B Person C Person D

home value $95,000 $107,000 $120,000 $128,000

income $46,000 $53,000 $58,000 $60,000

savings $20,000 $13,910 $18,000 $19,200

recurring debt $310 $198 --$265 $400

(Step-by-step if possible please)