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 - History of the Nuffield Tractor - by Anthony West. The Nuffield tractor story started in early 1945. The British government still reeling from the effects of the war on the economy, approached the Nuffield organization to see if they would design and build an "ALL NEW" British built wheeled tractor, suitable for both British and world farming.
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