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and there is a process now where you can do a conversion back to IO with a full app. My experience on this it works sometimes when the stars and the moon line up, and the person thats dealing with it has a reasonable knowledge of the process and its high tide. even with all the ducks lined...

If the loan is over80 to 90 % then thats generally true. If the loan is at 80 % or less, quote a few lenders will do 10 years straight up, and at least one will do 15. There is some variabaility on fixed term loans, where for ega 3 year fixed can only be comboed with a 3 year IO term...