What a rip off!!!! Just got the taxes for the year on our mortgage and get this, only 25% of what we've paid has actually gone towards the principal loan!?!?! It's like highway robbery, and the best part is we pay extra towards the principle every month, so basically we're paying double the principle and we're still making shitty progress. So far only .2% of our original loan. What a joke, they literally screw you with escrow and interest payments everymonth. As soon as I get the chance I'm paying this damn thing off so they can kiss my white ass. here's a little hint...ya know those bullshit mortgate payment accelerator programs? Just toss in extra money to the tune of %10 of the initial value of the loan and you'll get the same result (paid off 6 years early) without paying them to do it for you (and paying more).