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Didn't see it mentioned, but if you don't put 20% down, be prepared to pay PMI. Basically insurance that the bank won't lose if you default.
If you do put 20% down you can handle your own escrow. If you don't, be prepared to give the bank 13 months of your homeowners insurance and property taxes at closing and then also you will have to pay 1 months worth of taxes and homeowners insurance with your monthly mortgage payment AND PMI.
Not sure if this is nationwide, but has always been what they do in Michigan.
So 20% down, IMO, adds a lot of flexability.
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