So payments on a $185,000 loan at 4.5% will run you $938 plus taxes and insurance, or $1400-1500 per month.
Like I said, each lender has their own requirements and other variables such as credit score will factor in as well. I would be happy to put you in touch with an excellent loan guy that will take good care of you and can answer all your finance questions.
Good luck in your search and let me know if I can help.
Get in touch with your bank for a pre qualification process. And of course, call if you need the assistance of a professional.
Feel free to contact me at your earliest convenience.