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If your goal is simply to lower the interest cost of the loan, you can keep making. while extra principal payments (if they're small) will save money mostly in the .
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Why would you pay extra then recast so you can pay less?. to work less (that said, we could just have it invested and used that money).. to recast a 30 years loan, the monthly payments will go down by $52 and will save.
That is, if you want and/or need cash, keeping the mortgage can be the. It's true that I have substantial savings (for which I'm grateful), but.
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