as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
how do you choose which mortgage structure is appropriate when buying a home?
user
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.
assistant