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* Homes pictured are not listed by McGary& Associates but are representative of the types of homes we help people buy and the types of financing we help arrange. Monthly $ figures are based on first year estimated Total Cost of Ownership for a $200K house with $0 down using a first year 2/1 buy down interest rate of 7% (9.8% APR), 30 year amortization, assuming 3% appreciation, a 28% tax bracket, homeowner's insurance of $400/year, $150 for miscellaneous and a tax mill rate of $1.65/$100 of sales price.
