I was talking about this to my wife last night, and apparently they send quarterly statements on the mortgage. Those statements include a coupon to use if you want to make an extra payment to be applied to the principle. So I think we'll probably go with the 20 year note, do automatic deductions for the exact amount, and just use those coupons each quarter to make an extra principle payment with a check.
It's nice to have the choice be between different good options. That never seems to happen. Usually it's "Do you want the shit sandwich or the shit soup?"
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