Seen as a niche mortgage program, the 20 year fixed rate mortgage is not as common as say a 15 or 30 year mortgage. Though it has many great advantages. For example you can take advantage of long term low rate financing, while at the same time paying off your mortgage faster and paying less interest than you would when you compare it to a traditional 30 year fixed rate mortgage.

It’s also not quite as aggressive as a 15 year loan, giving you a lower mortgage payment, while still paying off your loan faster than a typical 30 year fixed, giving you the best of both worlds.

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