Since you worked in the mortgage industry many years ago it was evident that you understood the banking world.  We had just taken out our first mortgage and could not believe it when you explained a “trick” on how to shave years off of it.  Knowing that we could do this in a much shorter time frame opened up so many possibilities for us.  When we asked the mortgage loan officer about this, he did not know about this option at all.  It was so easy and now we will finish the mortgage sooner than even my parents!