mortgage markets, mortgage origination, down payment, closing, closing costs, loan proceeds, equity, home equity, home equity loan, mortgage insurance, credit insurance, with recourse, without recourse, federally-insured mortgage, qualification, conventional mortgage, maturity, loan maturity, mortgage maturity, original maturity, payment schedule, prepayment, amortization, loan amortization, refinancing, mortgage refi, mortgage refinancing, balloon mortgage, balloon payment,