[Questions 16-20 were asked of households if a household member owns the dwelling or is buying one.]

20. a) Do you or any member of this household have a second mortgage or a home equity loan on this property?

Answer questions 1 through 21 for the house, apartment, or mobile home at the address on the mailing label.

20a. A second mortgage or home equity loan is also secured by real estate. You must have a first mortgage in order to have a second mortgage. You may have a home equity loan and other mortgages on the property or the home equity loan may be the only mortgage.

20b. Enter a monthly amount even if it is unpaid or paid by someone else. If the amount is paid on some other periodic basis, see instructions for 15a to change it to a monthly amount. Include payments on all second or junior mortgages or home equity loans.