For mortgaged property or property with liens, unpaid taxes, or other debts recorded against it, use the value of the owner’s equity in property (that is, its real value minus the total amount of indebtedness) as the basis for determining eligibility. Such debts can usually be verified by copies of the mortgage or lien in the applicant’s possession, or by monthly payment schedules. Indebtedness that is not recorded as a mortgage or lien against the property (except property taxes) cannot be taken into account.
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