With the massive twin deficits that we are running, our huge off books liabilities, and an intractable war going on and every body asleep at the wheel, I would say you would be crazy to take anything but a 30 year fixed. Think of it this way- the USA is almost the only place left in the world where this sort of loan is still available. If they don't want you to have it, it must be good! 
Ha
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Above all, humans are political animals.
Nota bene: I am either a moron or an idiot. So don't pay any attention to anything I say or you are one too. Please consult your financial advisor, astrologer or proctologist for whatever it may be that you are seeking.
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