However, even if the terms would leave you with a balloon payment, one option available would be to refinance the loan prior to the balloon payment, or as it seems you may be looking to retire in the home, and if by the time you are ready to retire there is enough equity in the home, a reverse mortgage might be an option for you as well.
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(h) An action to enforce a claim of a deficiency related to a note secured by a mortgage against a residential property that is a one-family to four-family dwelling unit. The limitations period shall commence on the day after the certificate is issued by the clerk of court or the day after the mortgagee accepts a deed in lieu of foreclosure.
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