 No one wants to talk about that because it's not why. It's not fun having a 15-year mortgage because your payment's higher. Well, guess what's fun? Let's say you go buy a small townhouse and your loan's $175,000 and you're doing a 30-year mortgage. That payment's going to be around $1,100 and your principal reduction is going to be around $120. And it's going to inch up a couple dollars each month. Nothing drastic.