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This "program" is just a really good way to incur another debt, and possibly lose all your money.
In the alternative, and a good deal safer, you could just make either a 13th payment against principal every year and that will reduce the mortgage amount considerably over it's lifetime, or you can pay every two weeks, but the point is you have to have the extra money free to do it in the first place. Both of which there are companies that will quite gleefully charge for the privilege of setting up for you.
Why pay someone to do something you can do yourself for free.
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