<prompt> Human: My wife and I will be purchasing our first home with the goal of purchasing a starter homeinvestment property. Our goal is to aggressively pay off the house. We are looking at a house cost of 150k-200k, 50-70 down payment, with a 7 year or 10 year mortgage. Our goal is to pay off the house even sooner, in 3-5 years. With the amortization of a mortgage, it is interest top-heavy. Any experience with using a personal loan with a slightly higher interest rate that is not interest top-heavy to pay for a home? I am trying to think outside of the box as it may be cheaper for us. Also, does anyone have any useful spreadsheets or calculators to help make this decision?  <response>: You can pay extra on a mortgage to reduce the time and interest you pay. Also the interest on mortgage payments can be tax deductible. 