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This is certainly a merry-go-round. Paying ahead is what I do. For the first year I was making double payments a month. This way I was ahead paying & the payments were being credited to amounts due for coming months which gave me a bit of leverage should I become ill or something happen where as I could not make my payments. The following year,still making double payments, but requested the overage be applied to the principle. I feel I've given myself a safety net should anything go wrong & now making the double payments will admittedly bring down amount of interest paid at the end of my mortgage. It works for me.
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