Ren, my only point is why pay principle on a 5% - 30 year mortgage when you can get 10% on your money in stocks over the same period? When added up, the interest on a mortgage seems to be outrageous, but if you otherwise invested that principle in stocks, you'll pocket the differnce (minus taxes) of the 10%-5%. BTW, the 10% stocks gain figure is a historical average return since the beginning of the NYSE.
Of course this approach supports your paycheck as well so you might want to pitch it to your potential mortgage customers.