Don't worry, I did my homework, I took a 20 year loan, but I pay each week instead of each month, cause there's 52 weeks in a year, but there's only 48 weeks in a fiscal year, so this way I save 1 month interest each year, + with my calculations and if I follow my plan rigorously, meaning I use my tax return to lower the capital each year, I'll be able to take that loan down to 11 years...
Thanks for being concerned though...