Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

How do you choose which mortgage structure is appropriate when buying a home?
Go for 15 years loan - Lower interest rate over 2-5 years period. If you can afford to pay 20% down then please do. Do not assume the average ROI will +(8-10%). It all depends on market and has variable factors like city, area and demand.