[onewhippedpuppy]

Rick, I think that's the required payment to take the mortgage full term. The principal is decreasing at a higher than expected rate, so the payments adjust downwards to keep the term the same. Ultimately the principal is still going down, so he'll have it paid off quicker if he keeps up the extra payments.

Legion, good call! It takes discipline to pay extra on your mortgage, but it's worth every penny. Someday you'll feel good to look back at your loan and see how much interest you saved.