Thanks for the advice guys.
I just have a hard time wrapping my head around paying 170% of the loan I took out
luckily we were able to put a giant down payment from the last house we bought/sold (got lucky and bought after the recession bottomed out)
I have calculated the tax deduction, but generally come out ~1-2k above the standard deduction
It would just be awesome to be mortgage free
but like pointed out, we have a low rate and that variable interest scares the hell out of me
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