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javoracle | I have extra cash, should I make extra payments on my 1st or 2nd mortgage? |
Additional Details
Great answers, everyone. Here are some specifics:
1st is for $138k and about 25 years left.
2nd is for $9k and about 9years left.
No credit card debt.
and I just got back for vegas!
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 |
 
robert495713
 |
Pay down the 2nd, in fact, try to pay OFF the 2nd ASAP.
Then use the monthly payment you WERE paying on the 2nd, and put it towards the 1st...you'll pay if off probably in half the time. |
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Steve Wood
|
Pay down high interest rate loans first, such as credit cards, and between the mortgages, pay down the higher interest rate first. |
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curious lupi
 |
NO!! wtf is wrong with you! you need to give it to me DUH! |
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onelonevoice
|
Chances are good that your second mortage has a higher interest rate. Pay down the principle on that one first, then the principal on the original mortage. |
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trees
|
yes pay off the principle and the less interest you will pay it will save you in the end |
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coloklute
|
Hell no. Go to Vegas Baby! |
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giselledoherty@sbcglobal.net
|
Use your extra cash to pay the principle of your first mortage ~ that way you have more equity on your house when you sell. |
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oil field trash
|
If you don't have an emergency fund, then now is the time to start one. Otherwise, pay off the second mortgage. |
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insane
|
i may be insane but i say put it toward your mortgages,you will be happy you did latter. |
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sexonthebeach70
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i'll decide for you just send it to me lol |
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patrickmcc55
 |
If both mortgages have fixed rates, pay off the one with the higher rate. If one is adjustable, and one is fixed, pay off the adjustable first.
If everything is the same, payoff the second first. |
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golferwhoworks
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pay on the second deed of trust itis a higher interest rate! |
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Jen S
 |
yes! you'll feel better when u pay off ur house earlier. |
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byebye
|
If the second is an ARM, pay it down / off ASAP. Those ARMS will adjust soon and you'll end up paying a lot more per month. If they're both fixed, pay down the one that has the higher interest rate..
Hope this helps, |
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