Camila is a first time home buyer. She goes to her local bank to get a loan to buy the house that allows her to put only$3\%$ down. The loan covers$97\%$ of the purchase price and the costs to close on the house. In reviewing the loan$$ documents, Camila reads that her interest rate is$5\%$ to be paid monthly over $30$ years, but that she may pay it off sooner if she so desires. This is known as$$ a$($n$)\_\_\_\_\_.$