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There is nothing quite so scary to a first time home buyer than looking at the amortization schedule result from a mortgage amortization calculator for a thirty year fixed rate home loan.  You notice that for the first ten or fifteen years, most of the monthly mortgage payment goes directly to pay interest and very little of the payment actually pays down the principle balance of the home loan.  Now take out your mortgage amortization calculator and use the same total loan amount and interest rate, but change the term from 360 months to 180 months and the results will most likely make your face light up.  You will notice that at least half of your very first payment is applied toward principle reduction.