Well if you think a mortgage is such a great benefit, there’s nothing stopping you from getting another one...
Hope you are tying to be funny. I didn’t say anything about great benefit. It’s just how I did it. First my payment was low because of a large down payment, second, I had refinanced for 15 years at the 13 year point because interest rates came down in the early nineties compared to the initial interest of 9.75, and third, back then I wasn’t exactly rolling in dough, although it sure would have been a great benefit to reduce the large interest payments by just making a small principle payment. The larger benefit I believe is at the front end of the loan, and I wasn’t.