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.
Included in your loan will be a mortgage insurance premium, which is how the FHA is able to make payments in the case of default. Basically, whether you go conventional or FHA, chances are you will be responsible for paying the insurance premiums in one way or another.