there is a secret that the mortgage company dont want anyone to know u can pay off a 30 year mortgage in 11 years or less. . . simply by calling ur mortgage company and telling them u want to pay ur payments weekly!! thats right weekly, if ur mortage is $1200 a month . . send $300 a week most of the money goes into the principal that way. . and remmember some months have 5 paydays on them. . im doing it myself, theses banks are a bunch of rip-off they dont tell anyone u can pay it that way