Let me try this again. 2 loans made on April 23, 2009. #1 is 20 year am and 1 year term - 1st payment June 1, 2009, baloons June 1, 2010. #2 is 1 year term - matures April 23, 2010. Is it a problem to "force" #1 to mature on April 23, 2010 to make them mature the same day? If the Deed in Trust and Note state those dates? What happens to the TIL? Won't the payment schedule be off a little?