On Fri, Nov 7, 2008 at 2:23 PM, Jon Louis Mann <[EMAIL PROTECTED]> wrote:

> it was not my preference to accept the banks terms.  my options were limited 
> to signing the loan. or not buying a home.  i did what the realtor said 
> because that is the way the system works.

It was your preference to own a home, so even though you did not llke
the loan terms, you chose to take the loan because you really wanted
to own a home, no matter how bad the loan terms. I think that is a
more reasonable way to state it, than that you were forced to borrow
at bad terms.

As for the realtor, I am surprised that you would do something just
because a realtor told you to. I think it is more prudent and
responsible to do some research on one's own (reading, talking to
knowledgeable friends and acquaintances, etc.) rather than just doing
what someone (anyone) tells you.

Good thing the realtor didn't tell you to go to hell!  :-)
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