This is because the longer the mortgage term the cheaper the payment will be.

Some cities like Atlanta, Charlotte, or parts of Texas offer cheaper homes with job opportunities nearby.If I were you, I'd focus on saving and researching markets that offer both affordability and growth.

But at current prices and interest rates, this will be very challenging unless you go to cheaper areas or nearby suburbs that are cheaper. 

A conventional would be cheaper.

-So, I'd only be willing to pay you a flat fee for that service that is CHEAPER than an attorney.2) Negotiating Price: theoretically, I can negotiate myself and MAY just need someone to communicate my offer(s) to seller.

So I'm a fan of buying in the path of progress from here since it's starting to expand outwards into cheaper neighborhoods.

This is the reason homes are so much cheaper than cost to build.

I took into account a likely cheaper labor rate but will say when we owned units in gulf shores that i was not encountering that low of a labor rate.  

On the other hand, the croissant are cheaper, local and work pretty darn well.

I haven't worked with anything but hardwood and tile in recent years but would prefer a cheaper, waterproof option if it looks decent.