hey, i need someone to do my homework . i need it after 3 hours , it just tow qoustion , here is the information (Bill and Judy are in their early thirties. They married two years ago. It is the first marriage for each. Bill is a financial advisor for a company and earns $125,000 a year, but does receive a bonus each year for 10% of his annual salary. He has been with the company for three years. He is an Army veteran. Judy is a designer for a large department chain. Her salary is $150,000. She only recently started with the department chain. Until she took her new position, she worked for a boutique where her salary was $75,000 a year. They rent an apartment for $1,700 a month. They have two cars both paid for. The utilities for the apartment average $450 a month. They both have 401K retirement plans. Bill has $4,000 in his retirement plan. Judy has $5,000 in her retirement plan. Their combined credit card debts average about $3,000 a month, and are paid in full each month. Their cell phones are paid for by their respective employers. They take a vacation each year at an average cost of $3,000. Bills credit score is 675 and Judys credit score is 550. When Judy was in college she had credit card troubles, and this has affected her credit score even though she cleared up the problem 4 years ago. She has had no credit problems since that time. Bill and Judy decide to purchase an older home. The price has been agreed upon by the seller provided that Bill and Judy can obtain suitable financing. They have chosen a home that will cost $275,000 to purchase, but they want to make improvements to the kitchen and a bathroom which they estimate will cost $10,000. They will finance the purchase of the home. They know of three choices for loans: VA, FHA, and conventional. They are talking about a 30 year home loan at 4% interest. They want to shop for a home loan. Prior to purchasing the home, they want to sell their two cars, and purchase one new car for $30,000. They are thinking about financing the new car with a three year loan. They will use their present cars as the down payment on the new car. They hope to make a down payment of $15,000 on the new car. Bill and Judy are also appliance shopping. Since they know they will purchase the home, they decide to look for sales on appliances. They find a refrigerator and a stove on sale at a 50% discount. The combined purchase price of both appliances is $3,000. The store offers to finance the purchase.)) and this is the two qoustion 1- If they want to make monthly payments of $1,700 on a home loan, how much money can they borrow? How much will home insurance cost on the home? 2-What about the improvements to the home? Should they include those estimated costs when they apply for a home, or should they wait and apply for a home equity loan for the improvements? Have they considered the cost of utilities and maintenance?

hey, i need someone to do my homework . i need it after 3 hours , it just tow qoustion , here is the information (Bill and Judy are in their early thirties. They married two years ago. It is the first marriage for each. Bill is a financial advisor for a company and earns $125,000 a year, but does receive a bonus each year for 10% of his annual salary. He has been with the company for three years. He is an Army veteran. Judy is a designer for a large department chain. Her salary is $150,000. She only recently started with the department chain. Until she took her new position, she worked for a boutique where her salary was $75,000 a year. They rent an apartment for $1,700 a month. They have two cars both paid for. The utilities for the apartment average $450 a month. They both have 401K retirement plans. Bill has $4,000 in his retirement plan. Judy has $5,000 in her retirement plan. Their combined credit card debts average about $3,000 a month, and are paid in full each month. Their cell phones are paid for by their respective employers. They take a vacation each year at an average cost of $3,000. Bills credit score is 675 and Judys credit score is 550. When Judy was in college she had credit card troubles, and this has affected her credit score even though she cleared up the problem 4 years ago. She has had no credit problems since that time. Bill and Judy decide to purchase an older home. The price has been agreed upon by the seller provided that Bill and Judy can obtain suitable financing. They have chosen a home that will cost $275,000 to purchase, but they want to make improvements to the kitchen and a bathroom which they estimate will cost $10,000. They will finance the purchase of the home. They know of three choices for loans: VA, FHA, and conventional. They are talking about a 30 year home loan at 4% interest. They want to shop for a home loan. Prior to purchasing the home, they want to sell their two cars, and purchase one new car for $30,000. They are thinking about financing the new car with a three year loan. They will use their present cars as the down payment on the new car. They hope to make a down payment of $15,000 on the new car. Bill and Judy are also appliance shopping. Since they know they will purchase the home, they decide to look for sales on appliances. They find a refrigerator and a stove on sale at a 50% discount. The combined purchase price of both appliances is $3,000. The store offers to finance the purchase.)) and this is the two qoustion 1- If they want to make monthly payments of $1,700 on a home loan, how much money can they borrow? How much will home insurance cost on the home? 2-What about the improvements to the home? Should they include those estimated costs when they apply for a home, or should they wait and apply for a home equity loan for the improvements? Have they considered the cost of utilities and maintenance?