Comment by gravitas

If I may offer advice - the math is against you, a $150k home loan over 30 years (+tax, insurance) is usually well over $300k at the end of the road. If you can (a) ensure your loan has a "all extra payments to principal, not interest" loan and (b) overpay every single month as much as you can, even shaving 10 years off that time frame will net you a lot back in your pocket to invest and make money on it. Even an extra $100/mo if that's all you can manage - pay down that principal as fast as you can to reduce the interest owed on that principal.