Depending on how long you stay in a home, a 30-year mortgage may not be the yardstick to use on which mortgage is best, so a five-year-fixed-to-adjustable could be appropriate and you could save money too. Try a lender second of 10% if you have only 10% to put down, you won't be paying PMI which is not tax deductible, you will be paying loan interest which IS tax deductible. Read
Bankrate's article on more tips.
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