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n = the number of payments over the life of the loan. If you take out a 30-year fixed rate mortgage, this means: n = 30 years x 12 months per year, or 360 payments. For the paper and pencil mathletes.
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A mortgage represents a loan to buy a home. Fixed-rate and adjustable-rate mortgages are the two main types of mortgages, but there is a wide variety of mortgage products available. Sources for mortgage loans include mortgage banks, mortgage brokers, banks, thrift and credit unions, home builders, real estate agencies, and Internet lenders.
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