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      Just remember when you refinance your mortgage you have to pay closing cost too. Making an extra payment per year will cutthe number of years almost in half. Evenpaying alittle extra each month helps,making a payment every 2 weeksinstead of once a month will help since the interest iscalculated monthly on the balance of the loan.

      Katie wrote: Hi, I was just wondering if anyone had any advise about mortgages….
      how to pay them down quicker on a very tight budget? How
      often should
      you refinance and when you do should you go for a shorter term? I am
      just frustrated with my whole lack of budget and need lots of help!
      THanks,
      Katie

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