West Virginia Mortgage Law Practice Test

When assessing Hannah's ability to repay the loan, John should consider all of the following, EXCEPT Hannah's:

1. Credit history

2. Income and employment status

3. Marital status

4. Monthly debts

The correct answer is: Credit history

In assessing Hannah's ability to repay the loan, it is essential to evaluate various factors that contribute to her financial stability and repayment capacity. Credit history, income and employment status, and monthly debts are all pivotal elements that lenders typically review during the underwriting process. While marital status can sometimes play a role in financial assessments—especially if it affects household income or joint debts—it is not a direct indicator of an individual's capability to repay a loan. Marital status does not inherently reflect financial responsibility or the ability to manage debt; therefore, it is less relevant in determining loan eligibility compared to the other factors mentioned. In summary, while Hannah's credit history, income and employment status, and monthly debts provide concrete insights into her financial health and ability to repay the loan, her marital status does not directly correlate with her repayment capability, making it the option that should not be a primary consideration in this context.