Yes you can. The product most people get these days is the 30-year fixed rate. 15- and 10- year are also available; as you shorten the term, the APR decreases.

Yes you can. The product most people get these days is the 30-year fixed rate. 15- and 10- year are also available; as you shorten the term, the APR decreases. They typically don't have any pre-payment penalty.