Dear not-so-foolish-prof! You have got some great advice and the decision-delay,with escalating interest rates is the wise one. I would add however, one pearlof wisdom; add a supplemental, monthly payment to your mortgage each month! $50, $100, $200, - whateveryou can manage, you will significantly shorten the life of the mortgage and you will be astounded at the amountof compounded interest you will save over the remaining life of the mortgage! Enjoy the fruits while you can - - Matthew
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