Kevin;

You have got the world by the balls....everyone was there at one point and time in their life.

Good luck going the 15 year route. Many people buy a house once they decide to settle down and get married....one of the most financially strapped times in a persons life. The difference in payment between a 15 and 30 year loan means the difference between payin the phone bill, water bill and car insurance.

I really aint got a dog in this fight, but instead of 15 year, you might look at a 30 year note only pay half of the payment every two weeks versus making a payment each month. You calculous majors do that math and get back with us.

dab