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The client is interested in lowering his utility costs. If the client seeks an FHA Energy Efficiency Mortgage (EEM) loan, what is the maximum housing payment for which he can qualify (round to the nearest dollar)?

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$1,250
$1,375
$1,440
$1,875

$50,000/12= $4,167 X .31 =$1,292 MAX HOUSING PMT. Not any of the above
Where is my error?