Today our 2601 Redleaf Lane Austin, TX 78745 property mortgage loan was paid in full, due to a 3 step no cost refinance mortgage Loan Refinanced from Wells Fargo, via a Freddie Mac program. We went from a 30 year at 5.95% to 15 year 3.625%. We were in the 9th year of the loan. So effectively, we reduced the term of the loan by 6 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.