31.   A customary down payment is required, but monthly payments are lower.

32.   A monthly payment may also be proposed.

33.   A number of other institutions have stopped originating mortgages or servicing them, which involves collecting monthly payments.

34.   A payment estimator calculates monthly payments.

35.   A short-term loan may mean higher monthly payments, but in the long run, it will save you money.

36.   A rapid rise in rates, he said, could lead to negative amortization, a high-risk situation in which none of the monthly payment reduces the amount owed.

37.   A track-clothing manufacturer may start to pay her bonuses for winning races, but not monthly payments.

38.   A strong economy has created opportunities for people to get and keep a job and to save money, while low interest rates have helped keep monthly payments low.

39.   About half take cash out and half lower monthly payments or restructure their loans, said association economist Doug Duncan.

40.   About half take cash out, and half lower monthly payments or restructure their loans, Duncan said.