[URL]http://www.nytimes.com/2011/03/04/business/04housing.html?pagewanted=2&_r=1&partner=rss&emc=rss&src=ig[/URL] "Fannie and Freddie also make ownership more affordable by allowing borrowers to repay loans with fixed-interest rates over an unusually long period. A person who borrows $100,000 at 6 percent interest will pay $600 each month for 30 years, compared to $716 each month for 20 years. The 30-year loan first became broadly available by an act of Congress in 1954 and, from then until now, [U][B]the vast majority of such loans have been issued only with government support[/B][/U]"