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If the 20 year rate is .125 lower than the 30, then using a 30 Yr loan and prepaying with a 20 year payment will payoff in 20 years plus aprx 4 more payments. If you have any concerns about your job then take the 30 year and prepay. Your post says Ft. Collins so if that is where you are located, then email or call Nic who is in the same city:http://www.zillow.com/profile/ColoradoLender/
Especially because of the economy, and the rates are low. It makes since to stick with a 30 yr fixed rate and make additional principle payments and you will end up with the same benefit, that you would if you went with a 20 yr loan.
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