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Unconventional mortgage options include Federal Housing Administration FHA mortgages, which allow you 100 commercial loans put as little as 3. The interest rate on a mortgage can be fixed the same throughout the term of the mortgage or variable changing every year, for example. You repay the amount of the loan plus interest over a fixed term. The most common terms for mortgages are 15, 20, or 30 years, although there are other terms.
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If you fall behind on payments, the lender can seize your home through foreclosure.