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Reply to "Mortgage recast vs extra payments"
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[quote=Anonymous]Mathematically you are better putting it all in the market and not paying down a 4% mortgage. This is because of the crazy low rate, I’d have a much different answer at 8%. That being said if you are looking to de-risk, you could put $300k in the market and then put $100k to the mortgage and recast to get a lower monthly payment. That way you are hedging your bet a bit. I did something similar a few years ago. Rates were different then and I paid down enough to refi into a 15 year with comfortable payments. [/quote]
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