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One of the first questions we ask buyers is whether they are confident they will be there for a while, says jerry behnken, loan officer and sales manager, aspen mortgage corp. To that end, conventional lenders generally insist on more than the usual 20 percent down on jumbo loans over $500,000. For most students, stafford loans are the best deal around. There is no corresponding insurance premium tax at the federal level.

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Even here, however, congress has offered some help. Combining first and seconds will get all those funds, if you will, into the lower interest rate scenario. Spiegel credit card application.

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