Looking for the next big wave in the alternative mortgage market? It appears that 40-year mortgages could be just the thing. Designed to help borrowers deal with skyrocketing home prices by spreading out their payments over a longer period of time, 40-year loans hit the mortgage market in earnest in 2004. Growth has been somewhat slow, however, as lenders have focused their efforts on other “affordable” mortgage products, such as interest-only loans and option