I can really relate to this! Our dining room set was $50 on marketplace, lol, real wood, better than most you would buy new. Most of our furniture is also used, I prefer it that way. We have over 1/3 down, which I feel is pretty good. I am just looking for the lowest interest rate and hoping for 2%. If we can find 2%, we can definitely go for a shorter term. Goal is to have it paid off by retirement along with the house. This is another reason I really do not want.to give up any of the options chosen. We plan on having this one a very long time.