I got the house of my dreams. Less than 10 years old. Two story. Three bedroom, two and a half bath. High ceiling basement. Two car garage with attic space/spare room above. Attic. Balcony. Front patio. Deck outside the kitchen. Fireplace. Less than 1 mile from my awesome mother in law who will happily watch the kids. Close to schools, downtown, highway, and grocery stores. Located in a very trendy neighborhood with numerous sheriffs and the mayor living in the hood.
$144,000. Instead of paying closing costs, I actually got almost $1,500 back and I'm also getting $700 back because I used the real estate agent the lender suggested.
My monthly mortgage payment is less than $900 at 3.875% fixed rate.