I can’t stop lol’ing

With rates down in low single digits on 30yr loans, I'd never take a 15. Take the extra cash and drop it into long term investments instead. If you plow everything into your house you have a very non-diverse asset base, if the real estate market drops you're screwed. Historically you'll get 5-7% a year with a balanced…

You should do the math instead of listen to our advice.