Also, you mention the payment would be "only $230 a month." If you are referring to a mortgage where you will pay it off over 25 years for $25,000, that would mean you are borrowing at over a 10% interest rate, which is well above the interest rates being currently advertised for conventional mortgages. You can consult with a website such as bankrate.com and look for a mortgage calculator on there to get a better idea of how interest rates affect your payment and how much you will spend in interest during the life of the loan.
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