first u need to get a good load, do not ever go to a broker, go directly to the bank. and read the fine lines coz u may have a adjustable load which after the initial few years u may face a steep rate increase and depending on how tha RE market at that moment is u may not even be able to refi so always try to go with a fixed loan. and with a condo u have the HOA fee which they show is very low when u are buying but once u have already bought the property then they have the option to raise the fee every 6 months. so if u can affort a single family resident, it's better to buy that even if it's a little higher.