YOURgage - This program gives you control over your mortgage. You can choose mortgagedove between terms of 8 years and 30 years. 30-Year Loan - With a fixed mortgage interest, your monthly mortgage payment will not change. Enjoy some of the best mortgage rates ever! 15-Year Loan - You get the same benefits as a 30-year mortgage, but your mortgage is paid off in half the time. A 15-year fixed-rate mortgage will save you thousands in interest.