That sounds nice as long as it works out. But the fact is that most people just don’t live in a house for that long. I think the average is something like 7 years. Because, you know, life happens or people simply want to try something else in life. I don’t think I’ve live in any one place more than 3 years as an adult. I quickly get the urge to try something else, both job-wise and location-wise. And then I move, kids and everything. The whole 30-year fixed or 15-year fixed is meaningless to me.