Interesting that you don't have to file a tax return showing your govt income even if it is tax-exempt. When you apply for a loan, they take all income into consideration.
Another thing is that many lenders have a minimum amount that they want to finance, or else it's not worth their time, but there's nothing to keep you from financing more and paying it off early. I think in Texas, you can pay off a loan without penalty after the first year. Ken should have all of the info on that.
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