Many borrowers find this loan to be the best for them as the interest rate will be fixed. Principal and interest payments never adjust for the life of the mortgage loan.
There are various terms you can chose. Usually 30-year or 15-year terms are chosen, but other terms can be offered, including 40-year, 20-year, or even 10-year mortgage loans.
In the early years of repayment, most of your mortgage loan payment goes towards paying on the interest accrued on the loan. As time passes, more and more of your payment will go towards the principal amount you borrowed.