<prompt> Human: Read that article which brings up some great points. 20 year mortgage seems like the best option to me. Per the article, its only 22.3 more expensive then a 30 year mortgage per month and you immediately begin to build more equity. As the article puts it, you get 23 the benefit of a 15 year mortgage at a much reduced cost. Any downside or hazards to the 20 year? Its not very popular, is there a reason for that or just because its unconventional?  <response>: If you have that much money burning a hole in your pocket, just pay two extra monthly mortgage payments at the start of the year and keep the 30 year mortgage in case you have financial troubles in the future 