Do nothing
30 years
$456,858 in interest
The mortgage-free life
Your $415,000 house costs $871,858.
Nobody tells you that at closing. Thirty years at 5.75% means you hand the bank more than the house was worth — and 80 cents of every early dollar never touches the balance.
What $500 a month changes
+$500 a month
19.9 years
$174,286 back in your pocket
Example — amortization math only, not a quote.
Ten years earlier. And for most of our clients that $500 isn't new money — it's money already leaking somewhere else. We find it first, then we point it at the house.
There's more than one way to get there.
Extra principal, a recast or refinance, a leveraged strategy built on a properly structured cash value policy — there are several routes, and which one fits depends entirely on your rate, your timeline, and what else you're funding. That's what the meeting is for. Bring your amortization schedule and we'll run them against your actual numbers.
Bring your amortization schedule →