• What should you consider? 
    • Monthly Income 
    • Down payment 
    • Monthly payment 
    • Payback period 
    • Current level of debt 
  • What are some mortgage tips? 
    • Payments should be less than 25% of your monthly income 
    • Total monthly payments should be less than 40% of monthly income 
    • Put down 20% to reduce payments 
    • Ask about 15 to 20 year loans because these reduce interest in the long-run. 

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