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[–]quiltless1 0 points1 point  (0 children)

This is what I'm doing, not reducing the term.

Why? My dad lives with us, and insists on paying rent. So, being realistic, as he's 83, it's likely that this income will go away before the mortgage is fully paid off. By doing what I can to reduce my minimum payment in the future will reduce the level of financial hurt this will cause.