"Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think."

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I remember how beautiful the Merrimac looked to me in childhood, the first true river I ever knew; it opened upon my sight and wound its way through my heart like a dream realized; its harebells, its rocks, and its rapids, are far more fixed in my memory than anything about the sea.

— Lucy Larcom