It also keeps the minimum payment lowish - I went for a 30-year fixed, refinanced it once when rates went crazy low, and paid roughly double what I needed to (a

It also keeps the minimum payment lowish - I went for a 30-year fixed, refinanced it once when rates went crazy low, and paid roughly double what I needed to (apart from months when I couldn’t). It paid off in ~13 years. I could have got a 15-year fixed on slightly lower rates, but the flexibility was worth the rate delta for me.