I compromised to a twenty year note that I intend to pay in 15 or less. My wife is not on board so I can't do all the things I would like to do.
If your wife is on board with the plan, I would do it in a heart beat. You can always move up in house later and be better off when you do.
In this market, I wouldn't be so sure you can't get the house you want if you work at it.
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