Did I make a mistake in Financing? How long do you finance?

OP, try this amortization calculator and put in your numbers and extra payment amounts each month. you may see that adding even an extra $50 per month when possible may take years off of your loan. Run a lot of different numbers through it and it can be an eye opener. also look up other similar calculators and try them.
link

http://www.bankrate.com/calculators/mortgages/amortization-calculator.aspx?ec_id=m1024923&s_kwcid=AL!1325!3!41196398408!e!!s!!loan+amortization&ef_id=Uw0z5QAAAB9ietPP%3a20140324164154%3as