I don't really have an answer for you, only an opinion. I am Canadian and while the US offers many advantages, the mortgage rackets that the banks are allowed to run in the name of bussiness is offensive.I thought the best one was the point system. How long did they all have to sit in a room to come up with that one. Now, it is an extra 10 a month. I suspect you will still save money. In Canada, I had weekly mortgage payments. I was on a bi-weekly pay schedule and it did wonders. I took about 7 years off a 25 year mortgage. In Canada, the standard mortgage is 25 years.Gerald
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