I work for the largest broker in Ohio, licensed in from Alaska to Cali, across the country to New York, up to the NE area and down to FL (that's my brief background....anyone is the biz knows that's not easy).......your point on the diff in payment for what you like is a STRONG point...but don't turn your wheels explaining the Pay Opt....we've gone over and over with it in the past (trust me )...you might enjoy this....it's a forecast for the MTA (very promising I might add)

http://mortgage-x.com/general/indexe...e_forecast.asp