$650K at 7% over 30 yearsDown payment was 200K. So currently loan is $450K at 7% with pennymacI have 200K extra to put towards down payment. Goal is to pay off faster and pay less interest. No plans to take 30 years to pay off because of being super debt averse. Can someone give an example of scenario 1 vs 2 using numbers (principle, interes, escrow, time)