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Your monthly payment will be dictated by the size of your loan and the amount of your down-payment. You can reduce the size of your monthly payment by increasing the size of your down-payment.
Get pre-approved by a mortgage lender. Before beginning your home search, it's a good idea to get your loan pre-approved by a mortgage lender. This will let you know how large of a loan you can expect to get. You can use this information to narrow your home search to properties that are priced to fall within the limits of your loan amount.