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Betty is in Michigan with our question she says our mortgage is their only debt we have on paper in quotes we currently have 19 years left to pay off the mortgage but this does not reflect the extra we have paid we recently checked into refinancing to get lower payments so we could throw more money at the principal thats not necessary Ive written to not make it much of a difference to do that so we chose not to have you ever heard of recasting a mortgage with the bank and my initial investigation it looks convoluted confusing and does not appear to have much of an appositive effect on the investor listen mortgages are calculated as simple interest and so if you had heres a simple way of looking at your monthly interest rate is when its compounded and so if you have a 6% mortgage thats 0.5 or half a percent a month 6% a year APR annual percentage rate and so whatever your outstanding balance that month is if you have a 6% mortgage is charged a half a percent on that regardless of w
