Say I have an annual income of $50,000 and I wish to buy a house that has a selling price of $170,000. I am hoping the sellers will take my offer of...

Say I have an annual income of $50,000 and I wish to buy a house that has a selling price of $170,000. I am hoping the sellers will take my offer of $165,000 for the house. A mortgage company is offering 3.8% interest compounded