Make double payments and pay it off in 10 or 15 years instead of the usual 30. I believe that any loan is deadly. Everyone should rent until they can buy a home with cash. We should be absolute in our values and we should absolutely not take a loan at any time. If we ever need help we should ask for a gift and never ask for a loan.
Loans destroy relationships.
You're thinking that this is too much. Some people have taken loans and managed them their whole lives. Some people have taken loans and used the money to start businesses and became wealthy. My argument would be to compare with the example of smoking. Some people smoke until they are 90 and some people who don't smoke get lung cancer.