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The Case-Schiller 20-City Home Price index rose year-on-year at plus 12.3 percent to reach a new recovery high. Looking at individual cities, strong gains in the west are leading the recovery. As home values increase, so to does the equity in everyone’s home. This appears to be encouraging some formerly…

Many home owners pace the floors thinking of how to pay off their mortgage early, also known as prepaying. Everyone, at some point, has ostensibly been told to reduce mortgage debt as quickly as possible in order to be in a better financial position. Instinctively, we all buy in to…