Comment by lostlogin

You would have to have some pretty awesomely low interest loan rates or severe inflation for early payments on a mortgage not to be a net win. A loan we had recently for a house (loan taken out at financial crisis loan rates) worked out at such that an early payment of $1 saved a payment of $7 at the end ($6 being interest). That was enough to motivate us to stick every spare dollar on that loan.