Dear Dave, Is there ever a time when a 30-year mortgage is better than a 15-year mortgage? Julie Dear Julie, Let’s see, how should I put this? No! If you can’t afford a home on a 15-year mortgage, it means you can’t afford the house. Period. If you currently own a house, and the only … Continue reading Dave Says: Best bet is to avoid 30-year mortgage when shopping for a new home