>> gregg: how about $500, equals $100,000? >> this is $200,000 mortgage. if you up the ante from paying a schedule payment of 1070 by $500 more, you go from a 30-year mortgage and you pay it off in 15 years. that knocks hundred thousand dollars of interest. >> gregg: what about focuses that are stuck with private mortgage insurance? >> as you bring down your debt, you actually increasing the equity based upon the original amount, if you can get your equity to 78%, they have to get rid of the cmi if you ask for it. that is more money, put that against your mortgage. it goes faster. >> gregg: let's talk about other kinds of mortgages. what about a 15-year mortgage? >> if you are shopping today and you are confident that you can