I'll go along with Midwest Red except you should get a 30 year loan, especially this first one. You can always make it into a shorter term loan, just by making larger payments. But its important to have the flexibility. At 6.9%, payment of $500 per month will get you about $76,000. By way of comparison, $500 a month will only get you $56,000 on a 15 year loan. You will probably have to have at least 10% down in today's mortgage climate, but if you can put 20% down, you'll avoid PMI, which I agree is a campfire into which you throw money every month.
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Today's Featured Article - The David Brown Rose Badge - by Samuel Kennedy. In the 13th century civil war was raging in England. Two English noblemen were involved in a conflict which became known as the War of the Roses. The Duke of York had as his emblem a white rose and the Earl of Lancaster had a red rose. Today the white rose is the official emblem of the county of Yorkshire and the red rose has been adopted by the neighboring county of Lancashire.
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