Loan Vs Apr

you can download the excel spreadsheet for home-expense to check you
real expense under different scenarios, and make your decision.
http://www.vertex42.com/ExcelTemplates/home-expense-calculator.html

APR is supposed to represent the true cost of your mortgage since it
includes the fees besides the interest. The lenders may charge the different
fees, so APR may be different even the interest rate is the same.

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