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25-Year vs. 30-Year Amortization When you choose your mortgage amortization period, you’re deciding how long it takes to fully pay off your loan. A 25-year amortization means higher monthly payments but much more savings over time, because you pay less interest overall. A 30-year amortization gives you lower monthly payments and more flexibility now, but it also means you’re paying interest for five extra years. Shortening your amortization can help you keep more of your money in your pocket ove
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