...early february 2010...
I scheduled a meeting with Tom about 2 weeks before my birthday. I was a little overwhelmed and nervous that start talking about another loan, on top of my grad school loans. Tom was very patient with me and my millions of questions, and he went over what he thought the best loan options for me were. Ultimately we decided on an FHA loan, which is a loan that requires only about 3% on the down payment of the home. I told Tom what I ultimately wanted my monthly payment to be, even though I could "technically" afford more. We decided a decent price range for me would be looking at homes up to $125,000, and Tom suggested a Realtor for me.
That's when I called Jim...
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