Yesterday I called my mortgage company to do bi-weekly payments. I just refinanced in July for a 30 year mortgage, I am 49. I was very disheartened. But with your method and an extra $40 bi- weekly I will have my mortgage paid off in 12 years and 2 months and save $55,600 in interest. Thank you! I am definitely gaining a wealth of knowledge from your program and look forward to your call this Monday.