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If you sign in dec. your 1st mortgage payment will be in Feb. If you close Jan 2nd. ask your lender to give you an interest credit so your payment will still be due in Feb. Otherwise you will have to bring more money into close and pay for the interest for January upfront. Then your 1st payment would be in March.
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For Sale: $169,000
For Sale: $179,000
For Sale: $598,000