The common goal for most homeowners who I meet is they want to pay off the mortgage.   However, the biggest problem with homeowners I meet is that their plan to pay off the mortgage is about 10-15 years behind. 

I have found that people who enter their 40's start to get a little bit nervous about finances as they may have not been as disciplined as they would have liked in their 20's and 30's.  No matter what age you are, you really need to keep the end game in mind as it relates to your mortgage.   It's not always easy to look out 30 years, but you have to answer the question;  "At what age do I want to have the mortgage paid off?"   Once you have the answer to that question along with a couple of others, you can then begin to think clearly as to how you plan to manage the largest asset you own; YOUR HOME.  At that point in time, you can now clearly think about and develope a strategic plan to reach your FREEDOM POINT. 

My job is to ask you the relevant questions so you can begin to think about your goals as it relates to your mortgage.  Based on your answers and thoughts, it's my job to present you with mortgage options which fit both your goals and comfort level.   Depending on your comfort level, there are a variety of solutions in the marketplace from more aggressive loan products & interest rates, making extra payments to your principal every month, or making payments into a Freedom Account which can increase in value over time with the goal being to create enough cash to pay off the mortgage if you choose to.