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Interest Rate: The cost of borrowing, expressed as a percentage of the loan amount. Can be fixed (constant rate) or variable (rate fluctuates). Loan Term: The duration over which the loan must be repaid, commonly 15, 20, or 30 years. Down Payment: An upfront payment made by the borrower, typically 5–20% of the property's price. Monthly Payments: Include principal, interest, property taxes, and homeowners insurance (often abbreviated as PITI).

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