I made the large extra payment on Tuesday and as of today, it's cleared my bank and posted to the account. I only owe my regular $676.95 payment. It looks so sweet. ... I did just realize that the complete mortgage will not get knocked out when my regular payment goes through. There will be a small amount around $3.25 that goes to interest plus there is a $12 "recording" fee to close out the mortgage. So, once my regular payment clears, I'll just call the bank and see if they will process that last little bit with a Visa debit card.

I'm almost shaking with excitement and happiness No more extra payments and February is my LAST house payment EVER!