For cleaning accumulated sawdust and wood resins from tools, use warm soapy water with a stiff scrub brush. If resin is a problem, you can try a solution of ammonia and warm water, but only soak parts in the solution a short time since it can cause them to rust. For grease or oil, soak parts in a good safety solvent.
Payments remain the same for the life of the loan. Types: 15-year; 30-year. Advantages: Predictable, Housing cost remains unaffected by interest rate changes and inflation.