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tst: Eileen M. Day w»i'oi
CHECKING OUT
MORTGAGE
As a homebuyer today, you have a choice of many different kinds of home mortgages. If one doesn't suit you, there is an excellent chance that another will. When taking out any mortgage. always pay close attention to:
* ACTUAL MONTHLY PAYMENTS: Interest rates and home prices may be higher than they used to be but it is what YOU can afford month-bymonth that matters.
* PREPAYMENT PENALTIES: You may hope to refinance the loan a few years from now Make certain you can do so without having to pay a hefty penalty. Most Adjustable Rate Mortgages give you this break — but always check into it.
* INTEREST FLEXIBILITY: If you are taking out a mortgage with an interest rate that varies according to market conditions, learn what index each lender uses to adjust the rates. Find out how active each indicator has been over at least two years.
* WHAT'S AVAILABLE: Shop around; it takes time, but it really pays off to learn how downpayments and initial interest charges can vary.
If there is anything we can do to help you in the field of real estate, please phone or drop in at EILEEN M. DAY, Realtor, The Clopton House, Washington. VA. 22747. Phone: 6753400. We’re here to help. I
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