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For this decision I’d compare total cost through month 36, including upfront fees, monthly payments and the remaining loan balance. APR is a useful first filter, but it can obscure the period you actually expect to keep the loan. Are both quotes based on exactly the same loan amount, and are any...

Before arranging viewings, I am trying to separate the essential requirements from features that can be judged later. The target is a two-bedroom home near Phoenix at around $525,000. Both bedrooms need to work as genuine full-time rooms, and I am not considering a property with obvious major...