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all of the following are expenses associated with home ownership that's should be planned for early in the process except: a.) mortgage payments b.) closing cost c.) property taxes d.) dependable source of income

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The closing costs are only paid once, unless they are included in the amount borrowed with the mortgage.  than it is included in the mortgage payment
The following payments must be paid monthly,  
Mortgage
Property taxes

dependable source of income
This answer must be shown to get a mortgage
So closing costs is the exception.

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