Your response should contain at least 3 sentences. The response must contain at least 2 placeholders represented by square brackets, such as [address]. Your answer must contain exactly 3 bullet points. Use the markdown bullet points such as: * This is point 1. Include keywords [down payment, mortgage, interest rate] in the response. Answer with [relation] [num_words] words. [relation] is "at least", [num_words] is 150.
user