Layman terms comprehensive. A wide variety to choose from to taylor personal needs...I'm not very savvy tho I guess. Apprehensive or fearful of making wrong choice. Gong to lose house if I don't make a choice soon that I can handle monthly and keep afloat. Thought there was a plan that upon sale or death - then lender (with interest) like a lien, gets the amount back in full.plus. Dreaming huh? Would prefer making monthly payments if not to high.