[legion]

I just divided my monthly payment by 12, and added that number to each payment. Thing is, my lender wanted to charge me a $25 a payment "convenience fee" to go bi-weekly. That works out to $650 a year in "convenience" fees!!!

I've overpaid enough that my mortgage payments are going down next year from this year (to keep the loan a 30 year). I'm still going to pay the same amount. I love it when equity starts building at an accelerating rate!