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Is the thought of making 360 monthly mortgage payments getting the best of you. Will the feeling of helplessness just not let up. Are you frustrated out of your mind when you think about all of the years you'll be making those huge mortgage payments and all of the $100,000's of interest charges that lie BEFORE YOU. Have you tried everything from bi-weekly mortgage schemes, answering every internet refinance advertisement, sending the bank another $20 with each monthly payment, etc. to payoff your mortgage early -- with little or no results...