Possibly, but that sounds rather costly also. Things like, resetting the counter on a loan to pay more interest. I've paid interest for 9 years on a 30 year loan here. Coming up with down payment and closing costs.

If I sold this place first, then perhaps I'd have the money for down payment and closing costs, but I'd have to already have a place picked out to move to, which with some work is a possibility. But it's the starting of a new mortgage that scares me. I'm 58 and don't have 30 more years to pay one off. Even a 15 might be a little on the rough side. If I increase my payments from 1000 to 1400 now, I can reduce the 21 years I have left to 10. I plan on doing this starting in 2012 when some money is going to be freed up.

I know. Gripe, gripe, gripe.

https://docs.google.com/spreadsheet/ccc?...amp;usp=sharing