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  5. * **VA Mortgages:** These government-backed loans are available to eligible veterans and active-duty military personnel. They offer attractive benefits such as no down payment requirement and lower interest rates.
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  6. Auto loans, on the other hand, typically have shorter terms, usually ranging from 3 to 7 years. This shorter repayment period results in larger monthly payments but also significantly reduces the total amount of interest paid over the life of the loan.
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