WebThe most significant factor affecting your monthly mortgage payment is the interest rate. If you buy a home with a loan for $200,000 at 4.33 percent your monthly payment on a 30-year loan would be $993.27, and you would pay $157,576.91 in interest. WebYou are obligated to regularly pay your mortgage. If you fall behind on payments, the lender may seize your home. 1.27% of total loans were in arrears at the end of the fourth quarter of 2024. In the fourth quarter of 2024, lenders took new position of 435 units, while selling off 983 units, leaving an ending stock of 1,933 units.

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