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Want a faster payoff without a refinance, make extra payments to principal only. Here is the simple logic. Your regular payment covers interest first, whatever is left hits principal. Extra money labeled “principal only” knocks down the balance faster, so you pay less interest over time. Example: (Illustration only) • 1 extra full payment per year can shave roughly 3-5 years off a 30 year. • 2 extras can shave roughly 6-9 years. • 3 extras can shave roughly 9-12 years. **Results vary by rate, st
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