| 20 Year Fixed |
| Flexible down payment options, including as low as 3% for first-time buyers.
Reduces the mortgage term by one-third.
Save significant amount of money in interest payments. |
| You want to own your home more quickly.
You want to retire debt free.
You'll be retiring in less than 25 years.
You want to stay in your home once you retire. |
| Your monthly payment will be significantly higher than with a 30-year mortgage. |