> As for the realtor, I am surprised that you would do
> something just
> because a realtor told you to. I think it is more prudent
> and
> responsible to do some research on one's own (reading,
> talking to
> knowledgeable friends and acquaintances, etc.) rather than
> just doing
> what someone (anyone) tells you.
> Good thing the realtor didn't tell you to go to hell! 

i was referred to the realtor by a really good friend who is a title rep, and 
who also advised me that i had no choice but to sign the loan if i wanted to 
buy the house.  as it turned out i deducted the interest and got out before the 
balloon payment.


      
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