Not for everybody, but I’ve heard reasonable advice of getting the mortgage at a longer amortization period, then making extra payments.

Could you elaborate? That seems the opposite of all the advice I’ve ever heard of or seen with my own eyes.

Normally it’s better to get a fifteen year loan, than a thirty year loan and pay extra to try to pay it off in eighteen years.

In the past at least it seemed it was a lot harder for people to get fifteen year loans than thirty year loans, which is why I was offering the advice of trying to pay a 30-year loan off quickly, as the next best thing.