I'm trying to figure out how the differences in the two?  I do know
that straight-line amortization provides for a higher payment than the
mortgage style, but that's it.  Please help.  Thanks

Are you are asking what the difference is between two mortgages at the
same headline rate, where payments are made monthly, but one
calculates interest and outstanding balance once a year and the other
does it (say) once a month ?

If so, the 'traditional' mortgage (once a year) is less efficient, as
you are 'lending' an average of 6 months payments to the mortgage
company and getting nothing in return.

Of course, while the headline rates appear to be the same, the
underlying interest rate is not the same.

Alternatively, you might be asking about repaying the capital in a
straight line and just paying interest on the balance, while a
traditional mortgage loads capital repayment towards the end of the
mortgage which allows you lower annual payments in the early years.

With a traditional mortgage you are borrowing more for longer, so you
naturally land up paying more in interest over the life of the
mortgage.

This is not necessarily a problem, as inflation reduces the 'real'
value of the debt, and generally one is poorer at the start of a
mortgage than at the end.

Typically with a 25 year mortgage, the final payment is pin money.

In my opinion the ideal solution is to have a mortgage where you can
make variable payments, and you then increase the payments in line
with your salary, so that you land up paying off the debt years
earlier.