Glennda Baker
Region: US
Tuesday 29 September 2026 13:28:24 GMT
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Tae 🫶🏾 :
My mortgage is $977 a month and paying an extra $1,000 to principal a month took my loan from 30 years to pay off to 7 years and 10 months
2026-09-29 21:44:41
1115
Holls2thewalls :
where we getting 2400 dollar mortgages?
2026-09-29 16:46:20
328
Baseballfam :
My theory is always do the 30, pay extra principal. That way in case of job loss or reduced income you aren’t locked into higher payment.
2026-09-29 14:53:40
2599
tbird4.6 :
How in the world do you get a mortgage of $2,400😳 i would croak if my mortgage was over $1,000
2026-09-30 21:48:30
20
Brachiosaurus Latte :
Take what you’d pay in extra payments and put that in a HYSA or brokerage. Grow that pot of money until it exceeds what you owe on your mortgage. Pay it off in a lump sum. There is no benefit to making extra payments. All of the benefit happens at mortgage loan payoff and not a moment sooner. May as well leverage compounding interest to pay off faster.
2026-09-29 15:22:57
45
Tracy :
I started with a 30 year mortgage then refinanced to a 15 year...then paid that off and now Im mortgage free. Always ...Always pay that extra principle payment.
2026-09-29 20:22:30
50
clchicken :
As a millennial I can’t afford anything and wait to see the rate go down but I fear it’s only going to go back up soon and I can’t afford anything t the time.
2026-09-30 01:02:05
22
Brittanyadavis :
I pay $1900 per month. $71 of it goes to principal. took my loan from 30 years to 25 years. I bought this past March.
2026-10-01 02:55:43
12
lavender_d :
never do a 15, even if you can, do a 30 period. you can pay it off in 5, 10, 15, 30, 25, or 30. apply extra payment where you can but staying on a 30 protects you in the long run. no one knows what’s gonna happen in 10 years or 10 hours. save yourself stress and just get the 30 and apply extra payments when you can.
2026-09-29 23:40:45
7
den.✨ :
I haven’t seen you on my fyp in so long! The timing is perfect! 😅🥹
2026-09-29 15:53:09
10
Dylan Menke :
We do this by paying half the mortgage the middle of the month and the other half by the due date. Since interest is compounding it is the same as making an extra payment and effectively taking 6-10 years off the loan term without paying anything extra
2026-09-30 02:42:12
13
SakiRosa :
We did a 15Y plus the biweekly payment & just paid it off last week. So stinking proud!
2026-10-02 23:38:42
2
Reagan Mills :
Glennda, I used to see you all the time on IG, so good to see you here!!!
2026-09-29 15:52:15
25
user7251860067291 :
Wife and I make one extra payment a year plus some. We should be able to get cut off about 10 years.
2026-10-01 16:31:33
4
jerry Canty :
do a 30 and lay it off like a 15 or 30
2026-09-29 18:04:23
6
meganjo :
I’d say don’t ever buy a home. You will never truly own it
2026-09-30 19:43:44
2
Kaptain Koncrete :
Spot on. Did exactly this.
2026-09-30 02:30:07
5
Hillary Sarver :
The mortgage on our mobile home is on biweekly payments. It took a 30 year loan down to 22 years
2026-09-29 17:52:20
8
Gabe :
My mortgage is 2.65. I’m going to ride that bitch to the end. Extra payments 😂
2026-09-30 12:24:56
4
Darrick :
Same with auto loans if you can get a promotional low rate. Do it for the 6 or 7 years and then just pay extra on the principle when you can. this way you're not committed to the higher payment every single month, but have the freedom to pay that extra when it's possible, and still reduce the length of the loan
2026-09-30 02:18:15
1
Wolfdork🐺 :
I tried to get a 10 year loan on 3% interest rates in 2020 no one wanted to write it BUT 15 years we got! I still do an extra payment on each month to pay it off faster im about 7-8 years plus or minus some
2026-09-30 03:39:52
3
Danielle is short :
Do👏🏽this👏🏽for👏🏽everythinggggggg. I blasted thru my student loans doing this
2026-09-30 03:40:57
2
OrangeTiger1995 :
We refinanced in 2011 in our late 30’s on a 15-year. Now we are in our early 50’s and paid it off a few weeks ago. It feels so good!
2026-09-30 00:03:11
2
janedoe0666 :
***** make sure you don’t have a PPP (pre-payment penalty) ****
2026-09-30 15:32:23
2
Eddie Sabio :
I try to give my mortgage company $8000 every month or when I can. My mortgage is 3475.
2026-09-29 23:09:48
3
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