[l2ridehd]

I just asked when I did the application and somehow they did it. I have no idea why more don't do it. I did put more then 20% down, but not enough to cover 100% of the bond and still have 20% on the remainder. I think I did 25% at the time and also did a 15 year mortgage. So the bank was at the 100% bond paid with 20% down much sooner, probably within a couple years. However no matter how I was doing it I would ask the question. I have found that almost all mortgage terms are negotiable. Interest rate, terms, years, escrow, down payment, closing costs, they are all open to discussion and change. They are in the business of lending money and if you have solid credit, solid qualifications with assets to keep them whole, they will make adjustments to gain your business.