.6375%??? or did you mean 6.375%?In any case cash is King, hang on the cash and put it to work. Maybe I-Bonds or some other safe/semi-safe investment. Would not want to risk it all in the event you need it for dad. If your dad needs help you have the cash instead of using your homes equity, and if he does not you still have the cash. Should you run into trouble the additional cash available is much more useful than lowering your mortgage amount.David
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