With all these information provided to you through FSA mortgage rate comparison tables, savers will surely find the best place to invest their funds. FSA also has mortgage rate comparison tables for mortgages, annuities, endowments, and ISAs (unit trust and OEICs). Other mortgage rate comparison tables are those for stakeholder pensions, mortgage endowments, and investment bonds. As years go on, they use their income to pay back the money they borrowed in making the purchase. This decreases their debt and increases the value of their home. With a reverse mortgage, everything works in the reverse. You have your home. You convert its value into cash. And then you take out that cash every now and then, thereby increasing your debt and reducing your home equity. In other words, a second mortgage loan is used as collateral pledged for the first loan. Length of Second Mortgage Loans Second mortgage loans have varying lengths with which they are eventually paid off. Some second mortgage loans may last for as long as 15 or 20 years. Other second mortgage loans only require one year for repayment. According to Anthony Hsieh, president of HomeLoanCenter.com, an 80 20 mortgage loan "allows people to buy without a down payment." An 80 20 mortgage loan is also for people who would rather leave their savings alone in buying a house. Most people who take on an 80 20 mortgage loans are usually young professionals. This is done by providing their consumers with a variety of products, such as bonds and bank rate mortgage. These bank rate mortgage products have varying levels of risks and gains over given periods of time. In turn, these offerings compete with other investments which possess certain similarities in terms of performance. Adjustable-Rate Mortgage Payment People are asking if home loans in newspaper ads showing astonishingly low rates are for real. These ads are what we call adjustable-rate mortgage payments. Loans with an adjustable-rate mortgage payment type usually have low rates only for a short time. Rates of adjustable-rate mortgage payment are adjusted on a regular basis, usually after the first year is over.