I've never run into a loan that had a pre-payment penalty, and wouldn't accept one.
We're paying extra on our daughter's car to get it paid off a bit early, but can't afford that for the house.
A 30-year fixed gives you a certain amount of flexibility. When the goose is hanging high, you can always pay more. When things are tight, you aren't going to come up short.
Mortgage money is the cheapest money you can borrow nowadays, even discounting the deductibility. My first mortgage, back in 1979, was in the double digits.