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if you don't plan on staying there I would not pay too much extra a month into it, 7 years is not a long time. I just got a co-op at 4.375% rate and were just going to pay an extra 100-200 towards the principle a month. Although we say were only staying there 10 years we could end up staying a lot longer.
my opinion is to keep as much cash in your pocket until this country's finances stabilize.
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