I am at the point where I want to start looking at buying a house. I am making enough money (finally hit $25.00) and working enough hours because I am not laid off most Mondays anymore. I am a single guy, no kids, and sick of living the apartment life. Living in an apartment is cheap, but it has way too many drawbacks so it's time for me to step up and make the 15-30 year commitment. Just looking for some advice on how to go about the process. I don't want to be paying on a mortgage when I'm retired so I am looking at a 15-20 year mortgage. Decent houses in my town are ranging from $180,000-$240,000 so with a rate of let's say 3.25% I can expect a payment of around $1,500 a month which should be doable now with some budgeting, even more so once I hit top rate. If anyone knows of any advantages or has experience in doing a 15 year vs a 30 year mortgage I would love any advise at all!