Suppose you want to buy a house. You apply at your credit union for a loan to make the purchase. You decide you want to minimize the interest you pay on your mortgage. Which of the following would NOT help reduce your interest costs:

Having 20% for a down payment

Choosing a 30 year loan instead of a 15 year loan

Getting a 15 year loan instead of a 30 year loan

Making one extra mortgage payment each year

Choosing an amortized loan instead of an interest only loan