IRS just deposited my tax refund (in my savings rather than my checking account for some reason) and I just went online and scheduled a full payoff for my HELOC.
Now I only have 28 years 10 months of fixed payments for 2500 or so...
That's kind of hard to do in the DC area. I am the only person I know who has a conventional mortgage instead of an interest only deal..and I work with people who generally make well over 100k a year.
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