Also, Dave Ramsey's take on mortgages is financially stupid.

Yes, some people need to pay off their mortgage as soon as they can in order to sleep well at night. If that's you, go for it.

Otherwise, take a 30-year fixed loan and pay it as slowly as the bank lets you, while investing the extra money you'd otherwise pay to get rid of the loan earlier. Here's where I explain why that's financially savvier, and safer in terms of keeping vs. losing your home too: https://medium.com/financial-strategy/why-prepaying-your-mortgage-is-almost-always-a-terrible-idea-88fa87977d77.

Here's where I detail how I'm making money off the mortgage loans I owe: https://themakingofamillionaire.com/how-refis-and-high-inflation-turned-3-mortgages-into-assets-that-actually-make-money-ecedb31a859.