Lenders that continue to push the envelope on amortization recently got some good news this week: a report from Fitch Ratings suggests that the longer-term loans may not be as risky as bread-and-butter 30-year mortgages. In its June 19 report, Fitch highlighted three main risks associated with longer amortization loans: larger payment increases for ARMs, adverse selection as lower payments increase buying power, and slow equity accumulation.