[lucasrd]

I have a theory on this for dedicated people...Make extra mortgage payments...yes that's good...but make them to a separate savings account that earns interest. Why pay $500 to the mortgage company when you can earn interest on that $500 while you are still paying on your mortgage...

Go to any mortgage calculator and compound interest calculator...punch in your numbers..you'll see by earning compound interest on your prepayments, you'll pay off your mortgage faster than if you make principal payments...