31.   The premiums are included in monthly mortgage payments and are usually not itemized, so the cost may not be apparent to the borrower.

32.   The rest will be available to the Governor and his wife for personal use, which might include living expenses and monthly mortgage payments.

33.   This eliminates your monthly mortgage payments, and leaves you with more savings.

34.   Under the program, Fannie Mae would pay all or part of the monthly mortgage payment should the borrower become disabled or unemployed.

35.   Bradford estimates that swapping high-interest debt for lower cost debt has reduced his monthly mortgage payment by several hundred dollars.

36.   Then an advertisement flashed across their television, promising low monthly mortgage payments, little money down and a home in the Pocono Mountains resort area.