General Discussion

The first 10 years you are not paying anything onto the principal, the second 10 years you only pay a little into it, and only in the last 10 years you are paying mostly principal. But at that point you don't get the nice income tax deduction and you'll have to be lucky that you don't get any career disruptions that would force you to sell. And in the end once you pay off the mortgage, you only get the privilege of only having to pay for property taxes and maintenance costs for housing (basically a reduced rent payment given how you can be "evicted" from your property if you don't pay your property taxes.)

Mortgages may have advantages over rentals, but they are surely not "home ownership" given that you don't actually ever own your property to the point that no-one can ever kick you out, and are more for raising a family or a vehicle of commerce (like renting out rooms to others) than anything else.