Soak time. The length of time you marinate food depends on both the food and the marinade. Delicate fish, shellfish, and fruit usually soak for a shorter period of time (from 20 minutes to a few hours), while meats can go longer (up to a day or two).
Having your taxes and insurance included in your mortgage payment is actually very convenient. Instead of having to pay an annual insurance premium and half of your annual taxes on April 30th and the second half on October 31st, the lender establishes an automatic savings plan for you.
In order to be approved for a mortgage, you will need at least 5% of the purchase price as a down payment. If your down payment is more than 5% but less than 20% of the purchase price your mortgage will have to be insured against default and a default insurance premium will apply. This premium can be paid separately or added to your mortgage. If it is added to your mortgage it will increase your monthly mortgage payment.