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How does a 15-year mortgage work? A 15-year mortgage is a fixed-rate loan amortized over 15 years. While your monthly payment will never change, the amount that goes toward your principal (the …

How does a 20-year mortgage work? A 20-year fixed-rate mortgage is an amortized loan that will be paid back fully during that period. Your lender will calculate the principal and interest each …

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