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Reply to "Mortgage recast vs extra payments"
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[quote=Anonymous]BTW the interest savings on a low interest mortgage slowly disappears. No poster but my 30 year mortgage taking out when 55 is finished when 85. In Covid I was going to refinance but my rate was 3.625 and decided take 140k from savings account paying near zero towards principal. Knocked ten years off mortgage now done at 75. Right now since Risk free yields over 5 percent high buying CDs and treasuries but if yields fall will start paying down mortgage again. I want it done by 67. When I retire at 67 I like a paid off home, all home repairs done, two newer paid off cars in driveway. [/quote]
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