欲加强难度还请移步《地道美语听力播客（快速版）》 Kiko:Figuring out how to fill out this mortgage loan application is like trying to read a foreign language.
I don't know what all these terms mean.
Rafael:Let's see if we can figure it out together.
I think we want a fixed-rate mortgage, not an adjustable-rate mortgage.
We want to lock in a good annual percentage rate and not worry about the rate going up.
Kiko:All right, I think that's what we want.
We want the principal and interest payments to be predictable.
Kiko:And what are points?
Rafael:I think that has to do with fees for getting the loan.
Kiko:It looks like we have to get an appraisal of the house we want to buy.
Rafael:Yes, that's standard,I think.
Kiko:Do we have to pay for private mortgage insurance?
Rafael:Not if we have a down payment of more than 20% of the price of the house.
Kiko:Okay, so we don't need to worry about that expense, but what about all these others?
Kiko:Like homeowners insurance and title insurance?
Rafael:I'm not sure.
Kiko:And what are balloon payments and prepayment penalties?
Rafael:You got me.
Kiko:And what's included in the closing costs?
Rafael:I'm really out of my depth here.
Kiko:Me, too. What should we do now?
Rafael:Continue to rent?