<prompt> Human: Im a long-time lurker and love the advise this sub has. My girlfriend and I are about to buy a condo. The unit is listed for 99.5, and we are preparing an offer with our realtor for 95k. My question is this: we have budgeted 30k down for our first purchase. Can we even get a mortgage for 65k? Should we aim for a line of credit? I know were in a weird ballpark because of the small loan size. My gf and I are in our mid-20s and make roughly 120k a year. How fast should we try to pay this thing off? Thanks in advance. Even with no help here, this sub has been amazing.  <response>: OP is asking for financial advice. Stop giving him relationship advice.Get a short term mortgage. 10 years or whatever you qualify for. One that allows you to put up to 20 more on the principal every year and pay it out in full with no penalties. The Interest rate will be less than a line of credit. 