30-Year Vs. 15-Year Mortgage - What’s Best?

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30-year fixed loans are typically better than 15s.

Though you save on interest with a 15-year:
1) By re-investing the difference from the lower payment on the 30-year, your gain often trumps the interest rate savings.
2) The 30-year increases your cash flow and flexibility.
3) 15-year loans build "zero-return" equity faster.

Don't you want those dollars working for you elsewhere?