1. Tara bought a condo. She paid 22% down and is going to make payments for 20 years. She locked in the rate for five years. Which of the following statements is not true?
   1. The interest rate cannot change for five years.
   2. The way she has set this up, she will pay off the entire loan in 20 years.
   3. The amortization period is five years.
   4. The term is five years.