flea

Taxes and Fees: some lenders want your property taxes and insurance to be rolled into your costs at the time of purchase, because they don't trust you to pay them yourself. It's the same costs, either way, but if you pay them yourself you don't have to pay them at the time you're giving the escrow company every dime you ever made and then some. Depends, I expect, on what your expected income is going to be and what your property taxes might be and whether you'll be able to scrape that up on a twice-yearly basis. I pay my taxes myself, but sometimes it's a little difficult to cough up the cash.

Suite Francaise! My sister loved that, I should borrow it. The story around the novel was just amazing, the way her daughters carried it with them for so long.