Which Term is Right For You

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" background="136fd5a3.jpg"> <div> <FONT SIZE="5" COLOR="#000000" FACE="Arial" ><I><B>Charles R. 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"><U><I>Home</I></U></A></div> <div> <A HREF="id2.htm" TARGET="_top" TITLE="Loan Products"><U><I>Loan Products</I></U></A></div> <div> <A HREF="id3.htm" TARGET="_top" TITLE="About Us"><U><I>About US</I></U></A></div> <div> <A HREF="id4.htm" TARGET="_top" TITLE="Forms"><U><I>Forms</I></U></A></div> <div> <A HREF="id5.htm" TARGET="_top" TITLE="Contact Us"><U><I>Contact US</I></U></A></div> <div> <A HREF="id6.htm" TARGET="_top" TITLE="Seniors"><U><I>Seniors</I></U></A></div> <div> <A HREF="id15.htm" TARGET="_top" TITLE="Lending Tips"><U><I>Lending Tips</I></U></A></div> <div> <A HREF="id22.htm" TARGET="_top" TITLE="Mortgage Notes"><U><I>Mortgage Notes</I></U></A></div> <bR> <div> <I> <script type="text/javascript"> </script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script>  </I></div> <bR> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I><B>Which Term is Right For You</B></I></div> <div> <TABLE BORDER="0" CELLPADDING="1" CELLSPACING="1" WIDTH="632" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="VOID" RULES="NONE" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP ROWSPAN=4 BGCOLOR=#FFFFFF HEIGHT= 19 WIDTH="8"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="8" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER COLSPAN=6 BGCOLOR=#FFFFFF WIDTH="607"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="607" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=CENTER COLSPAN=6 BGCOLOR=#FFFFFF WIDTH="607"><div> This will depend mostly on what you can afford in monthly payments. You may not be </div> <div> able to qualify for a 10-15 year loan because the payments would be too high. A 30-40</div> <div> year fixed rate mortgage can be a good investment when rates are low if you plan to live </div> <div> in your new house for many years and want to keep housing costs down. </div> <bR> <div> However, you will save tens of thousands of dollars by opting for a shorter term if you </div> <div> can afford slightly higher monthly payments. You might also want to finish paying off your mortgage before your children go to college, or before you reach retirement. </div> <bR> </tD> </tR> <tR> <tD VALIGN=BOTTOM COLSPAN=5 BGCOLOR=#FFFFFF WIDTH="390"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="390" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=BOTTOM BGCOLOR=#FFFFFF WIDTH="216"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="216" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="22"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="22" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="22"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="22" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="298"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="298" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="22"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="22" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=CENTER BGCOLOR=#FFFFFF WIDTH="22"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="22" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=BOTTOM BGCOLOR=#FFFFFF WIDTH="216"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="216" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></div> <DIV ALIGN="LEFT"></DIV> <div>  __________________________________________________________________ </div> <bR> <div> |<B> </B><A HREF="index.htm" TARGET="_top" TITLE="Charles R. Nelson Mortgage, Inc. "><U> Home</U></A>  | <B> </B><A HREF="id2.htm" TARGET="_top" TITLE="Loan Products"><U>Loan Products</U></A>  |  <A HREF="id3.htm" TARGET="_top" TITLE="About Us"><U>About Us </U></A> |  <A HREF="id4.htm" TARGET="_top" TITLE="Forms"><U>Forms</U></A>  |  <A HREF="id5.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A>  |  <A HREF="id6.htm" TARGET="_top" TITLE="Seniors"><U>Seniors</U></A>  |  <A HREF="id15.htm" TARGET="_top" TITLE="Lending Tips"><U>Lending Tips</U></A>  |  <A HREF="id22.htm" TARGET="_top" TITLE="Mortgage Notes"><U>Mortgage Notes </U></A> |</div> <bR> <bR> <bR> <div>  <script type="text/javascript"> </script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script>  </div> <bR> <bR> <bR> </td> </tr></table></body>