For the millionth time, don't worry about me worry about you. If you're 35 and you get a 30 year mortgage, you'll be 65 when you pay it off. To pay off a 50 year mortgage, you'll be 85. Either way you're extremely monumentally old, from a 35 year old's point of view. I used to be 35 so I know these numbers mean nothing to you so don't try to bluff me. I'd just graciously accept the lower payments