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Reply to "How Much House Can We Afford? HHI 215K"
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[quote=Anonymous]My recommendation is keep the payment lower if you plan to have kids. We refinanced just before I found out we were having our second child to a 15 year mortgage with a slightly higher payment but significantly lower interest rate. We both WOH. We factored our finances on a kid in elementary school with minimal aftercare costs, and ended having to pay for full time care for an infant too. That has made our budget much tighter. I am not sure I would have done it that way knowing now what I know. I would have kept the payment lower. [/quote]
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