[tandknix]

Hmmm...I just thought to read the contract closer and realized that our insurance and taxes are no longer included in the payment. No wonder it is so much cheaper than it was. I am going to have to call them and talk to them about this. It is much easier for us to have those items included so we don't have to worry about them each month.

When they figure your payment to be about 34% of your income do they usually include the taxes and insurance or is that seperate. If they added taxes and interes to this payment it would put us over the 34% and that's why I ask.