[MedicCook]

Usually the total morgtage payment they tell you before closing is always higher after closing. Make sure to read the fine print and make sure they have included certain things like the home owners insurance and property and school taxes into the morgtage payment. They may tell you verbally but never put it in writing and you are the one that gets screwed in the end. The big tip is if your monthly payment is at your just getting by point look for something cheaper. You always need to have a nice buffer of income so you are not living pay check to pay check.