Maybe I’m misinformed but I believe anyone can get a fixed or variable mortgage of whatever term they choose - the part that is negotiable is the rate on that debt.

So like with good credit or a bigger downpayment you can get a lower rate, but either way you can still probably get a 10% 5y fixed I think almost anywhere.

(I might be off - haven’t looked at rates in a while)

PS. Sorry about that other rude person. There’s nothing wrong with not knowing something, as long as you’re willing to learn