Today our 4408 Hank Avenue Austin, TX 78745 property mortgage loan was paid in full, due to a no cost refinance mortgage Loan from my grandmother, Freda Comer. We went from a 25 year at 6% to 10 year 3% We were in the 12th year of the loan. So effectively, we reduced the term of the loan by 2 years and reduced the % in half. Saving many thousands of dollars over the coarse of the loan. Now, if we can just pay an additional $75 or so dollars every month, then we can actual pay the loan off in 10 years.