Figure out what a 15 year payment will be, get a 30 year mortgage, and find a conservative, liquid, tax deferred (or tax free) financial vehicle to put the difference in and you will be mortgage free in probably around 11 years.
I've got a great investment for you-
It:
A-Gives up a tax advantage
B-Has no hedge against inflation
C-Has no rate of return
D-If you get disabled you can't use it
How many of you want to sign up?
How can I be mortgage free in 11 years with a 30 year mortgage which is stupid to pay off early? I'm being facetious...sort of.