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Hi guys,

I have the chance to go for a 15-yr FRM at 3.125% ( or at 2.875% with points, but the difference in monthly payments is nothing), or 30-yr at around 4%. Maybe 3.8%. The 30-yr has much lower monthly payments for me, maybe 70% of the 15-yr payment. If I can afford the 15-yr FRM, is there any reason not to take it over the 30-yr? We may not stay in the house beyond 4-5 more years, that is one factor, but even so, I would have paid off more of my loan with a 15-yr than a 30-yr, right? The choice seems obvious but I want to make sure I'm not missing anything.

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