[Rick Lee]

Well, if someone actually bites at those refi or HELOC offers and the fine print is, indeed, too fine, they will get the full gamut of closing docs before they ink the deal. Hey, at some point, people gotsta be responsible for what they sign. I have a bigger problem with title loan places being all around military bases than the soft sell tactic of direct mail.

And regarding extra mortgage payments, one extra P&I payment per year will knock the last seven years (that's 84 payments) off a 30 yr. loan. That is HUGE if you plan to stay there for the long haul. You don't have to pay a fee for it. Just divide your P&I by 12 and add that much for extra princ. to each mortgage payment. It's free.