Your question should categorize in
1. your age (no one want to have mortgage payment while you retie). If age < 35, 30 year loan would be good.
2. how long do you plan to live (if you plan live < 3 yr, you should 30 years loan)
3. your monthly payment over 40% your monthly income? Do you let your mortgage payment over 40%
4. If you are high income class. 30 years is better choise.
