Because at the time I was just starting my business. Even though we put 20% down I was not sure about making a 1300.00 a month payment if the biz went south. I could however swing 750 a month no matter if I failed or not. I could still go to sleep at night knowing I could make the mortgage. Thankfully my business thrived, I bought a DeLorean after all.
In other words a peaceful night's sleep over the last 15 years is worth a few grand in extra interest. Unlike most of America, I live within my means and my ducks are all in a nice row.