<prompt> Human: Based on statistics, they will die before the end of the term. And if payments have to be spread over 30 years to be affordable, maybe its too much of a house for a person of that age.  <response>: Because most people dont keep their homes for 30 years anyway and the mortgage balance is due on sale. A 65-year-old may very well hold the home longer than a 30-year-old, despite their shorter life expectancy. 