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I’m comparing a 750 sq ft new-build flat with a similarly priced country home in Los Angeles. The flat appears easier to maintain, while the house offers more control but potentially larger, irregular bills. My model includes property tax, insurance, energy use and resale liquidity. I’m less...

The quote with the lower headline rate did not produce the lower cost once I used the correct fees and loan-to-value band. That changed how I’m looking at the two illustrations. The purchase price is around $615,000 in New York, and one option is fixed at 4.18% for 10 years. The lenders have...