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Along with mortgage interest rates each lender has fees and closing costs that factor into the overall cost of the home loan. When it comes to calculating affordability your income debts and down payment are primary factors.

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When choosing a lender compare official Loan Estimates from at least three different lenders and specifically pay attention to which have the lowest rate and lowest APR.

. How much house you can afford is also dependent on the interest rate you get because a lower interest rate could significantly lower your monthly mortgage payment. Factors that impact affordability. While your personal savings goals or spending habits can impact your.

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