General Discussion

Thirty year mortgages were for young families starting out; assuming the breadwinner(s) would have a stable career by the ages of 30 and be able to pay until they retired at 60.
Or would have life insurance to pay off the house should something happen to them.
My parents were over 30, they had to get a 15-20 year loan, they were too old for the less expensive 30 year GI bill loan dad was eligible for.

50 years? The first 30 years will be paying interest, before the principal starts dropping to halfway.
Your heirs will need to take out a mortgage to pay off your mortgage if you're not healthy and long lived, especially if you're just an average working slob buying a house at today's prices...

A 25 year old will be 75 at the end of the mortgage. A 30 year old will be 80...