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This type of mortgage has the same interest rate for the entire repayment term. Therefore, the size of your monthly payment will stay the same. This is one of the most stable mortgage loan options available, but the interest charges are often high. This type of loan is not insured or guaranteed by the federal government in any way. VA is offered by the U.

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Free mortgage advice and related topics. An amortization mortgage requires the repayment of the amount borrowed by periodic repayments, usually monthly, over an agreed period of time. There are some excellent mortgage calculators on the Internet that are not difficult to use. It is possible to construct tables showing the effect of mortgage repayments year on year.