"A mortgage loan is more than just about the interest rate; you also have to ensure that you are earning enough to comfortably pay off your monthly bill. This is where the usual choice of a 15-year or 30-year fixed mortgage comes into play. There’s little point in settling for either one or the other with the lower overall interest payment when you can barely afford to keep paying your bills every month. Securing an affordable mortgage for Georgia home purchase should mean you have already considered your past (your credit record) and the link to the present (how much down payment you can give), as well as your preparedness to face the future (mortgage term and interest). Go through the mortgage process weighing each step of the way how the condition of your finances would carry you through."
http://georgia.churchillmortgage.com/info-article/georgia-mortgage-tips-working-with-loan-experts-for-the-best-deal/
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