17. The more money you put down, the less money you need to
borrow, so all calculations will be based on a smaller principal
value right from the start.

18. 1. Location of your home.
2. Type of insurance ( standard or comprehensive )
3. Replacement value
4. Deductible
5. Discounts

19. 1. One family could have a different rate on their mortgage so they
would pay more or less depending on the rate.
2. Size of the down payment would affect the amount of mortgage
which would affect the payment.
3. Term of the mortgage, the longer the term the smaller the
mortgage payments.