satinkzo

satinkzo t1_jefo485 wrote

Assuming you are putting other money into higher yielding assets then no I wouldn't pay more other than to just be done with it.

Take what extra you would pay in hysa for now or something similar that will outperform currently. Then when rates do drop make lump sum payments to these.

Of course the argument could be made to pay the mortgage off sooner than later regardless. My mortgage is 2.5% but I still pay extra per month

2