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It's smart business, when spending as much money as it takes to pay off in 30 years, to ask this specific question to your realtor. Do it at the beginning and don't tarry. Make sure they are giving you factual information and keeping you abreast of all of the inner-workings of the journey you are about to embark on. We are the http://paris911.com team of Realtors and Glad to be of service with REMAX of Valencia CA.