They're going after facts and topics now. I don't know how Patrick Bacon could've changed this quote more without it sounding retarded or long winded. Most of the similar language is technical language.

"In the U.S., because the interest rate is fixed, homeowners get to lock in their monthly loan payments for 30 years, even if inflation or interest rates rise. On top of that, because most U.S. mortgages can be paid off early with no penalty, homeowners can refinance at a lower interest rate if rates decline."

Well, unfortunately it sounded familiar to me because it's lifted nearly verbatim from this New York Times article titled "A 30-Year Trap: The Problem With America’s Weird Mortgages." Here's the line:

"Because the interest rate is fixed, homeowners get to freeze their monthly loan payments for as much as three decades, even if inflation picks up or interest rates rise. But because most U.S. mortgages can be paid off early with no penalty, homeowners can simply refinance if rates go down."