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For a single piece of land, a mortgage is a long-term loan. Typical payments are made over 15, 20, or 30 year spans. The common types of home financing are banks, savings and loan associates, credit unions, and mortgage firms. Checkout www.auto-market-usa.com/mortgage-mistakes-what-not-to-do-before-applying-for-a-mortgage/. Three basic steps include applying for a mortgage: Complete the actual application for …